Senior Software Engineer, Upstart
White Label Platform
$166.9-230.9k
+ Target bonus & equity
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$166.9-230.9k
+ Target bonus & equity
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 5+ years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs
- Design, build, and maintain scalable APIs, services, and UIs that enable partners to access performance data, operational workflows, and program controls
- Experience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python
- 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 with building robust platform
- Experience in capital markets, financial services, or a related industry, with a strong understanding of market structures and regulations
- 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
- Experience with Ruby on Rails, Kotlin, or React
What the job involves
- The Capital Marketplace vertical is the fuel that powers Upstart’s AI based lending operations
- Spread across multiple dynamic high performance teams; Capital Marketplace is in charge of onboarding and maintaining Capital Marketplace relations with both our Lending Partners and Investors
- The White Label Platform team owns the end to end white label offering at Upstart
- The team’s mission is to make White Label offering increasingly configuration-driven and reusable, where onboarding new partners becomes more about enabling capabilities than building net-new flows every time
- This team is one of the pillars of the Capital Marketplace organization which is a B2B side of the business with direct impact to revenue
- As the Senior Software Engineer at Upstart, you will contribute to shape up the platform, collaborate with engineers and cross-functional teams such as Product, Pricing, Analytics, Lending Partnerships, and Capital Marketplace on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems
- Collaborate with product managers, engineers, and business stakeholders to deliver projects that align with business goals
- Assist in the design, development, and maintenance of self-service tools that enhance the investor experience
- Work with business stakeholders to identify opportunities for process optimization and build solutions that improve business workflows
- Develop scalable, reliable systems that meet the needs of both internal users and external investors
- Ensure security, performance, and availability of our critical platforms
- Participate in code reviews, testing, and the deployment of high-quality code
Our take
Based in San Mateo, California, Upstart is piositioning itself as a leading AI lending marketplace, connecting millions of consumers with more than 100 banks and credit unions. In a market where credit access can be limited by traditional scoring methods, Upstart aims to make lending fairer and more accessible by using technology to better understand each borrowers true potential.
Upstart builds AI and cloud-based tools that help lenders approve more borrowers at lower rates. Its models analyze thousands of variables (not just credit scores) to predict creditworthiness more accurately. And through its platform, consumers can access personal, auto, and home-equity loans, as well as smaller "relief" loans, all through a seamless digital experience.
So far, its success is reflected in its high loan automation rate (over 90% of loans are fully processed without human intervention) and the billions in loan originations it has facilitated. The company continues to refine its AI models and expand its offerings, with the goal of helping lenders serve more customers while making borrowing easier and more affordable.
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
- Annual wellness reimbursement
- Disability insurance
- Generous vacation policy
- Flexible time off
- Parental leave
- Family forming benefits through Carrot
- 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
(Founder & 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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