Senior Software Engineer, Upstart
Borrower Experience
$166.9-230.9k
Offers target bonuses, equity and ESPP
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$166.9-230.9k
Offers target bonuses, equity and ESPP
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you
- Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
- 4+ years of professional software engineering experience building scalable web and/or mobile applications
- Proficiency in one or more programming languages and modern development frameworks
- Experience designing and building APIs, microservices, and distributed systems in a cloud environment
- Experience leading projects spanning multiple engineers or systems
Desirable
- Experience building or integrating LLM-powered or agentic systems
- Familiarity with experimentation platforms and analytics tooling
- Experience developing customer-facing financial or fintech products
- Knowledge of modern frontend frameworks and deployment platforms
- Experience working across multiple teams to deliver cohesive user experiences
- Ability to design systems with reliability, safety, and explainability considerations
What the job involves
- As a Senior Software Engineer, Borrower Experience at Upstart, you will work across full-stack systems and AI-powered surfaces to deliver intuitive borrower experiences. You will lead the design and development of scalable, high-impact solutions that enable borrowers to understand their options and take the right actions while shaping a cohesive and trusted servicing experience
- Design and deliver borrower-facing features across web, mobile, and AI-powered experiences to improve self-service outcomes and payment success
- Translate servicing workflows into intuitive, scalable product experiences that reduce friction and inbound contact volume
- Build and maintain full-stack systems integrating backend services with modern frontend frameworks
- Drive experimentation through A/B testing, analytics, and observability tools to improve borrower outcomes
- Partner with Product, Design, Analytics, and Engineering to deliver high-quality solutions
- Contribute to architectural decisions and lead initiatives that unify systems into a cohesive borrower experience
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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