Software Engineer, Upstart
PL Applicant Experience
$142-196k
+ Bonus & equity
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$142-196k
+ Bonus & equity
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 4+ years of experience developing full-stack web applications professionally
- Proficiency in Kotlin or Ruby on Rails, plus familiarity with at least one additional programming language
- Experience with React, TypeScript, Spring Boot, PostgreSQL, Databricks, AWS, or event-driven architecture
- Solid grasp of software development principles and best practices for building scalable, maintainable systems
- Proven ability to analyze and solve complex technical problems effectively
Desirable
- Knowledge of KYC/verification vendors (Socure, Plaid, OCR) and integrating sensitive data services
- Strong sense of ownership and accountability for delivering high-quality features on time
- Ability to thrive in both independent and collaborative settings, contributing positively to team dynamics
- Demonstrated ability to take and incorporate feedback, with a continuous improvement mindset
What the job involves
- Upstart’s Verifications – PL Applicant Experience team is focused on modernizing the borrower journey end-to-end
- The team reduces friction, automates verifications, and enables dynamic decisioning while ensuring fraud prevention and credit risk mitigation
- We partner closely with Product, ML, and Platform teams to deliver a seamless and transparent experience for borrowers
- As a Software Engineer on the PL Applicant Experience team, you will design and build borrower-facing flows that improve conversion, reduce operational touchpoints, and scale verifications across Upstart products
- You’ll own features across the full stack, collaborate cross-functionally to optimize the borrower journey, and contribute to building our next-generation decisioning and automation platform
- Build and own borrower-facing verification flows end-to-end across frontend and backend
- Minimize fraud losses to Upstart through better data and ML models
- Drive automation to reduce manual reviews, strengthen fraud defenses, and improve borrower satisfaction
- Improve UI experience for operations teams and applicants
- Collaborate with ML and data teams to enable dynamic repricing, risk insights, and continuous decisioning
- Design scalable services in a distributed service architecture
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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