Software Engineer, Upstart

Agentic Tooling

$195.3-270.4k

+ Bonus & Equity

React

AWS

GCP

JavaScript

Python

Java

Ruby

Next.js

Rails

Ruby on Rails

Senior and Expert level

Remote from US

More information about location

AI lending marketplace

Open for applications

AI lending marketplace

1001+ employees

B2CMarketplaceLendingFinancial Services

Open for applications

$195.3-270.4k

+ Bonus & Equity

React

AWS

GCP

JavaScript

Python

Java

Ruby

Next.js

Rails

Ruby on Rails

Senior and Expert level

Remote from US

More information about location

1001+ employees

B2CMarketplaceLendingFinancial Services

Company mission

To enable effortless credit based on true risk.

Job

Company

Role

Who you are

Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 0 to 2 years of experience
Experience developing software applications (internships, academic projects, or professional experience)
Proficiency in one or more programming languages (e.g., Ruby, Java, Python, JavaScript, or similar)
Familiarity with building or consuming APIs and working with web-based applications
Understanding of software development fundamentals, including data structures, version control, and testing practices

Desirable

Experience developing full stack web applications using modern frameworks (e.g., React, Next.js, Ruby on Rails, or similar)
Familiarity with cloud platforms (e.g., AWS, GCP) or deploying applications in a cloud environment
Exposure to microservices architecture or distributed systems concepts
Experience working with relational or NoSQL databases
Ability to contribute across the stack, including frontend and backend components
Demonstrated ability to learn new technologies and improve through feedback

What the job involves

As a Software Engineer on the Servicing Engineering team, you will partner closely with product, operations, and cross-functional engineering teams to design and build scalable systems that power our servicing platform

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

Top investors

-16% employee growth in 12 months

Glassdoor (3.8)

Trustpilot (4.9)

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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