Senior Software Engineer, Upstart
Auto
$166.9-230.9k
Canada | Remote - Anticipated Base Salary Range: $153,000—$190,000 USD. Plus equity and Employee Stock Purchase Plan
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$166.9-230.9k
Canada | Remote - Anticipated Base Salary Range: $153,000—$190,000 USD. Plus equity and Employee Stock Purchase Plan
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, and 4+ years of software engineering experience
- Experience designing, building, testing, and deploying production software systems
- Experience developing customer-facing product features, platform capabilities, or backend services in a production environment
- Experience working with cross-functional partners such as product management, design, analytics, operations, legal, or compliance
- Experience making technical tradeoffs across system reliability, maintainability, scalability, and product delivery timelines
Desirable
- Knowledge of consumer lending, fintech, marketplace, or regulated product environments
- Experience building or improving conversion funnels, eligibility systems, decisioning workflows, or operational automation
- Ability to work through ambiguous product and technical problems by using data, judgment, and clear communication
- Skills in influencing technical direction and aligning stakeholders without direct authority
- Experience developing systems that balance customer experience, compliance needs, risk controls, and long-term engineering quality
What the job involves
- 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
- Upstart’s Auto Direct team is expanding access to secured lending products that help more borrowers move forward financially. The team builds customer-facing experiences, eligibility systems, operational workflows, and partner-channel capabilities that support growth across Upstart’s auto-secured lending programs
- As a Senior Software Engineer at Upstart, you will help deliver core product and platform capabilities that scale the Auto Secured Personal Loan product. You will work across engineering, product, operations, and risk to increase conversion, automate manual workflows, expand eligibility, and bring new secured lending capabilities to market
- Build and improve product features that expand access to Upstart’s Auto Secured Personal Loan product and support growth in originations
- Design and deliver customer-facing funnel improvements, eligibility logic, and workflow automation that improve borrower experience and operational efficiency
- Partner with product, operations, risk, and engineering teams to evaluate tradeoffs across customer experience, risk, complexity, and speed to market
- Develop durable, scalable engineering solutions that create leverage for future secured lending product expansion
- Contribute to the team’s technical direction by identifying implementation risks, improving execution standards, and communicating progress and decisions clearly
- Support high-quality delivery in a regulated environment through thoughtful system design, testing, observability, and cross-functional alignment
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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