Senior Software Engineer, Upstart
Home Lending
$166.9-230.9k
Plus target bonuses, and equity compensation + ESPP
AI lending marketplace
Open for applications
AI lending marketplace
1001+ employees
Open for applications
$166.9-230.9k
Plus target bonuses, and equity compensation + ESPP
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field or its equivalent, and 4 years of professional software engineering experience
- Experience building and maintaining production software systems for consumer-facing web applications
- Experience with backend or user interface engineering in a production environment
- Experience owning production systems, including operational support, incident response, or on-call responsibilities
- Experience independently driving multi-quarter engineering projects from technical design through delivery
Desirable
- Knowledge of financial technology, lending, home lending, or other regulated consumer finance products
- Experience working on application funnels, borrower journeys, customer journeys, or other high-volume conversion flows
- Ability to use product metrics, funnel data, error rates, and engineering judgment to prioritize technical work
- Skills in improving complex live systems incrementally while continuing to deliver new product capabilities
- Ability to influence cross-functional partners through clear technical recommendations and thoughtful tradeoff discussions
What the job involves
- As a Senior Software Engineer on the team, you will own the reliability, quality, and forward momentum of borrower-facing systems
- You will make technical decisions that balance speed, risk, maintainability, and product impact while partnering across Product, Design, Data and Machine Learning, Servicing, and Operations
- Build and improve borrower-facing systems that support Home Lending's application, decisioning, and closing experience
- Own production quality for critical borrower flows, including reliability, observability, error reduction, and on-call support
- Partner with Product, Design, Data and Machine Learning, Servicing, and Operations to deliver effective solutions across complex lending workflows
- Lead technical design and implementation for multi-quarter projects that improve borrower conversion, satisfaction, and product quality
- Make thoughtful technical tradeoffs that balance near-term delivery with long-term maintainability as Home Lending volume and product scope grow
- Improve team execution through code reviews, technical guidance, documentation, and practical engineering standards
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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