Software Engineer, Upstart
Auto Refi
$142-196.6k
+ Bonus + Equity + ESPP
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$142-196.6k
+ Bonus + Equity + ESPP
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 4+ years of professional full stack software development experience. We primarily use Kotlin (Spring), Ruby (Rails), and TypeScript (React) but are open to experience with different stacks
- 2+ years of professional experience with SQL databases and domain modeling
- Some experience with a front-end framework like React
- Excellent written and verbal communication - as an engineer, a big part of your job will be representing your projects in cross-functional conversations, and you’ll need to tailor your communication style to fit these different audiences’ needs
Desirable
- Ability to execute independently and deliver projects of varying complexity and sizes with minimal direction
- Comfortable challenging authority. We want engineers who can push back on their managers when they think we’re going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one
- Preference for face-time and synchronous collaboration. 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
- Upstart’s Auto Refi team is responsible for scaling our auto refinance loan product
- Our highly collaborative team is focused on increasing conversion by eliminating friction for our customers while continuously improving the quality of our product
- We work iteratively to provide fast feedback loops so that we can apply new learnings quickly
- As a Software Engineer on the team, you will work closely with cross-functional partners to execute projects across the whole stack
- You’re a self-starter who delivers work with quality, testability, resiliency, and maintainability in mind
- You may currently specialize on the backend or frontend, but you're looking to get your hands into both areas of the stack
- You're eager to learn and grow as an individual and a leader and enjoy helping your team do the same
- Lead successful projects working collaboratively with engineering team members and cross-functional partners
- Make thoughtful architectural decisions to improve the quality of our software
- Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics
- Collaborate with stakeholders to find solutions to our most challenging problems
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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