Software Engineer, Upstart
Servicing
$113.8-196.6k
+ Bonus and equity + ESPP
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$113.8-196.6k
+ Bonus and equity + ESPP
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 2+ years of experience developing full stack web applications professionally
- Proficiency in one or more programming languages
- Solid grasp of software development principles and best practices for creating scalable and maintainable systems
- Proven ability to effectively analyze and solve complex problems
- Strong sense of ownership and accountability for the quality and timely delivery of work
Desirable
- Experience with designing, developing, and deploying microservices-based applications
- Demonstrated ability to take feedback well and actively incorporate it into work, showing a growth mindset and a desire to continuously improve
- Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics
- Experience with Ruby on Rails and React or NextJS
What the job involves
- Upstart has experienced remarkable growth in recent years, successfully processing billions of dollars in loans every quarter. The Servicing Engineering team plays a crucial role in managing these loans smoothly, maximizing collections, and building strong customer relationships
- Our primary focus is to build a loan servicing platform and automate business processes while enhancing efficiency, and providing an intuitive user experience for both our borrowers and internal teams through the use of data analytics, machine learning, and automation
- As a Software Engineer on our Servicing Engineering team, you’ll work closely with cross-functional partners to identify areas for improvement, automate repetitive tasks, and implement scalable solutions. By optimizing workflows, integrating systems, and leveraging technology, we empower our servicing partners to prioritize high-value activities and deliver exceptional service to our customers
- Your contributions will be instrumental in delivering exceptional customer experiences, while driving continuous improvement in our servicing capabilities to meet the growing demands of our unique role in the fintech ecosystem
- Work within all areas of the platform from our web interfaces and 3rd party API integrations to backend business logic
- Move quickly to drive both existing and greenfield projects forward, while always keeping our end users in mind
- Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base
- Help us build our engineering team and make Upstart a genuinely awesome place to work
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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