Senior Software Engineer, Upstart
Revenue Science
$142-196.6k
+ Equity + Bonus + Employee Stock Purchase Plan
More information about location
AI lending marketplace
Open for applications
AI lending marketplace
1001+ employees
Open for applications
$142-196.6k
+ Equity + Bonus + Employee Stock Purchase Plan
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 3-5 years of experience in backend or full-stack software development, with a strong focus on distributed systems and APIs
- Experience with some or many of the following: Kotlin, Python, PostgreSQL, Ruby on Rails
- Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment
- Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar)
- Familiarity with database technologies such as SQL and data warehousing solutions
- Good communication and teamwork skills, with the ability to work effectively with cross-functional teams
Desirable
- Experience in fintech, particularly in areas such as dynamic pricing, revenue optimization, or capital markets
- Familiarity with machine learning models and their integration into production systems
- Prior experience or demonstrated enthusiasm for working on internal tools
- History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person
What the job involves
- We are seeking a Senior Software Engineer to join our Revenue Science team
- Revenue Science builds the systems that optimize the offers we present to borrowers—balancing customer appeal, lender requirements, and capital availability
- We use machine learning, real-time decision engines, and flexible configuration to power accurate, personalized pricing at scale, while ensuring a great borrower experience
- You’ll collaborate with engineers and cross-functional partners across Product, Analytics, Machine Learning, and Capital Markets to build scalable systems that respond to changing lender needs, funding dynamics, and borrower behavior
- This role offers opportunities to deepen your backend expertise while working on impactful infrastructure that supports Upstart’s lending growth and helps deliver better offers to more people
- Collaborate with product managers, analysts, and engineers to drive smarter pricing decisions and efficient capital deployment
- Design, build, and maintain real-time services that power origination fee computation and offer filtering
- Work with business stakeholders to identify opportunities for optimizing marketplace performance and lender alignment
- Develop scalable, reliable systems that support experimentation and rapid response to market changes
- Ensure the security, performance, and availability of critical pricing platforms
- Participate in code reviews, testing, and the deployment of high-quality code
Our take
Business startups across the world usually seek out funding, but this is often difficult for companies led by millenials. Millennial entrepreneurs with an excellent track record in business are increasingly requiring access to these loans, but their lack of credit history results in proposals frequently being declined.
Upstart provides loans that are aimed towards the target audience of millennials with entrepreneurial intentions, offering low interest rates that average at 12%. The company claims these rates are 10% lower than traditional lenders, and the service aims towards ensuring that the client is subject to no further fees (such as prepayment penalties).
Upstart claims that its unique selling point lies in the fact that its loans are funded the day after approval. Whilst the service focuses on personal loans for business, the company has also expanded to offer loans for car refinancing. Over 2022 and 23, Upstart's stocks fell dramatically and an investigation was undertaken by a law firm representing the company's long-term investors over alleged security law violations by its board of directors. However, the end of 2023 saw a 20% stock value rise for Upstart after its partnership with Mutual Security Credit Union led to a rise in customers, indicating that it is on the up after a difficult two years.
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
- Life insurance
- Disability insuranc
- Generous vacation policy
- Flexible time off
- Parental leave
- 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
(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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