Software Engineer, Upstart

• 3+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying a passion for user-experience, and a product-first mindset
• High level of proficiency coding in production with Kotlin and/or Ruby on Rails
• Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others
• Excellent communication skills, able to explain complex technical topics to non-technical stakeholders
• Extreme ownership of your work with a problem solving mindset, comfortability persevering through ambiguity without delegating the hard part to others

Desirable

• Upstart’s Verifications Decisioning team builds core capabilities that i) efficiently deliver online data sources for consumption by Machine Learning (ML) models to improve loan performance and ii) automate decisioning of applications using ML-driven rules to reduce friction and prevent fraud
• Upstart has one of the lowest fraud rates in the industry and highest level of automation
• This means that the majority of applicants can receive their funds in under 24 hours after they apply
• Looking ahead, Verifications need to further push the boundaries of automation doubling down on initiatives that accelerate accuracy of ML models while extending those benefits beyond its flagship Personal Loans business to emerging products such as HELOC, Auto, and Small Dollar loans
• As a Software Engineer at Upstart, you will build services to integrate with new data sources, implement and maintain highly scalable gRPC APIs for internal teams to access data, and partner closely with stakeholders to ensure data quality standards are met and ensured through thorough testing frameworks
• These efforts will contribute in accelerating improvements to ML models using richer and more reliable data sources
• Work closely with cross-functional teams to understand business goals and translate them into technical requirements
• Develop robust, high-performance services that enable real-time data retrieval and decisioning
• Optimize and refactor code for scalability and efficiency, ensuring low-latency responses
• Maintain and evolve our API infrastructure to support the growing volume of products and integrations
• Ensure the quality and reliability of ML models by writing unit and integration tests, participating in code reviews, and monitoring production systems
• Position location This role is available in the following locations: Remote, San Mateo, Columbus, Austin