Senior Software Engineer, Upstart
Growth Pricing
$160.4-222k
+ Target Bonuses and Equity
More information about location
AI lending marketplace
Open for applications
AI lending marketplace
1001+ employees
Open for applications
$160.4-222k
+ Target Bonuses and Equity
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 6+ years of professional full-stack or backend software development experience
- Strong expertise in Python, with experience in a Python-based web framework such as FastAPI
- Proven experience building scalable APIs and microservices in cloud environments like AWS or GCP, leveraging communication frameworks such as gRPC or Kafka
- Demonstrated success in leading medium to large engineering teams on complex, multi-quarter projects
Desirable
- Proven ability to influence technical and non-technical stakeholders through data-driven evidence and strong communication, effectively overcoming objections when necessary
- Experience in fintech, particularly in areas such as dynamic pricing, revenue optimization, or partnership-driven growth
- Familiarity with machine learning models and their integration into production systems
- Proven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settings
- Passion for mentoring junior and mid-level engineers, fostering a collaborative, growth-oriented environment
- Growth mindset with a willingness to learn new technologies and seek feedback for continuous improvement
What the job involves
- As a Senior Software Engineer on the Growth Pricing team, you’ll work on high-impact projects like implementing and maintaining features that optimize origination fees, including our new ML Conversion Model and its decision engine
- Your work will directly contribute to greater borrower engagement and help maximize Upstart’s revenue
- You will also enhance our Frozen Rates feature, which provides consistent pricing for growth partners, helping drive increased traffic and revenue through these partnerships
- Grow Upstart’s revenue by leveraging ML for dynamic pricing optimization
- Strengthen Growth Partner relationships by enhancing our Frozen Rate algorithms
- Improve scalability by solving technical challenges, including interservice communication
- Ensure the long-term health and maintainability of our codebase
- Collaborate with PMs, ML scientists, and data analysts on strategic, traffic-driving initiatives
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
Few candidates hear
back within 2 weeks
-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 values
- Every second counts
- Do the right thing even when it's hard
- Make clever use of numbers
- Be smart and know you might be wrong
- Don't assume it can be done
Company HQ
South San Mateo, San Mateo, CA
Articles
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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