Senior Software Engineer, Upstart
Personal Loans Engineering
$166.9-239k
Plus target bonuses, equity
More information about location
AI lending marketplace
Open for applications
AI lending marketplace
1001+ employees
Open for applications
$166.9-239k
Plus target bonuses, equity
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- Bachelor's degree and 7+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying high standards for user-experience, and a product-first mindset or 10+ years of relevant experience
- Demonstrated experience decomposing or modernizing tightly coupled systems into modular components/services with clear interfaces, while maintaining reliability and continuity
- Experience with experiment-driven development (instrumentation, A/B testing, analysis/iteration) and translating product goals into technical execution
- Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders
- Excellent written and verbal communication skills, able to explain complex technical topics to non-technical stakeholders
- Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback
Desirable
- Experience with full stack web development with Ruby on Rails, React, and cloud-native development (AWS preferred) and Docker, GitHub Actions, utilizing CI/CD technologies including infrastructure as code
- Familiarity with onboarding/funnel optimization in high-scale consumer products, including conversion and time-to-complete improvements
- Experience in the customer support tech domain (e.g., contact center platforms, customer engagement solutions, or conversational AI systems)
- Experience building in regulated or high-trust domains (e.g., fintech, lending, identity/verification, payments) where correctness and compliance are first-class constraints
- We’re a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You’ll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role
What the job involves
- Personal Loans Engineering owns the applicant journey and experience as they move through the loan application and verification process. PL Engineering is a conversion- and revenue-critical part of Upstart’s flagship product
- The team brings single-threaded ownership to an experience that is revenue-critical for Upstart’s flagship product, Personal Loans. It is aligning funnel outcomes and architectural evolution around one goal: maximizing originations while maintaining trust, risk integrity, and compliance
- Own and improve key steps in the Got rate to Funded loan funnel to increase funded-loan conversion and reduce applicant drop-off, grounded in clear measurement and iteration loops
- Design and implement cleaner service boundaries and APIs to decouple tightly coupled Personal Loans systems, enabling faster iteration and cross-product reuse across unsecured lending
- Partner closely with Growth, Verifications Platform, Pricing/Decisioning/Risk, Lending Partners, and downstream teams to deliver end-to-end applicant outcomes without losing single-threaded ownership
- Lead complex, high-stakes changes that improve the user journey while protecting business continuity and operating within risk/compliance constraints
- Identify and prototype opportunities for intelligent automation (e.g., AI-driven nudges or chat/voice touchpoints) that reduce friction and accelerate time-to-fund
Our take
Based in San Mateo, California, Upstart is piositioning itself as a leading AI lending marketplace, connecting millions of consumers with more than 100 banks and credit unions. In a market where credit access can be limited by traditional scoring methods, Upstart aims to make lending fairer and more accessible by using technology to better understand each borrowers true potential.
Upstart builds AI and cloud-based tools that help lenders approve more borrowers at lower rates. Its models analyze thousands of variables (not just credit scores) to predict creditworthiness more accurately. And through its platform, consumers can access personal, auto, and home-equity loans, as well as smaller "relief" loans, all through a seamless digital experience.
So far, its success is reflected in its high loan automation rate (over 90% of loans are fully processed without human intervention) and the billions in loan originations it has facilitated. The company continues to refine its AI models and expand its offerings, with the goal of helping lenders serve more customers while making borrowing easier and more affordable.
Freddie
Company Specialist at Welcome to the Jungle
Insights
-16% employee growth in 12 months
Company
Funding (last 2 of 6 rounds)
Apr 2019
$50m
SERIES D
Mar 2017
$32.5m
SERIES D
Total funding: $135.7m
Company benefits
- Comprehensive health plans
- 401k Plan
- Annual wellness reimbursement
- Disability insurance
- Generous vacation policy
- Flexible time off
- Parental leave
- Family forming benefits through Carrot
- Technology equipment budget
- Personal development budget
- Various clubs and extracurricular activities
- Catered lunches
- Fully stocked micro-kitchen
Company HQ
South San Mateo, San Mateo, CA
Leadership
David Girouard
(Founder & CEO)They started their career at Accenture and Booz Allen & Hamilton before working in Product Management at Apple and Virage. They left their role of 8 years as President of Enterprise at Google to found Upstart in March 2012.
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