About Upstart
Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team:
Upstart’s Onboarding Experience team is dedicated to creating a seamless loan application process that allows customers to quickly and easily complete all steps required to fund their loan. By building exceptional, customer-centric experiences for both Upstart borrowers and internal Operations teams, this team plays a crucial role in making Upstart the premier destination for consumer credit. This team focuses on our flagship product, Personal Loans, and directly impacts our growth in this business by reducing friction for applicants and improving the efficiency of our operations.
As a Senior Software Engineer at Upstart on the Onboarding Experience team, you are a leader who can work across the whole stack, who doesn’t need roads paved for you before you take action. You’re an individual contributor who uses tech to ply your craft, but you excel at thinking like a product manager and a business owner when needed. You can handle high-stakes calls with 3rd parties and customers, and you thrive on making decisions that impact not just how we build but what we build. Finally, you’re a mentor, and you take seriously the responsibility to coach and grow each of the engineers around you.
How you’ll make an impact
- Lead successful cross-team and/or multi-quarter, multi-engineer projects
- Turn team-specific projects into opportunities to up-level the team and the org’s tech platform
- Move quickly to drive 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
Minimum Qualifications
- 5+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying high standards for user-experience, and a product-first mindset
- Technical leadership experience with deep understanding of code release, deployment orchestration, logging, instrumentation, monitoring, and alerting
- Strong sense of ownership and accountability for the quality and timely delivery of work
- Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders
- Exhibit a growth mindset - you’re comfortable with the uncomfortable, and are not afraid to pick up new technologies that are best for the task, and seek out opportunities to learn from others
- Exhibit a bias for action and comfortability persevering through ambiguity - you regularly practice critical thinking and love to solve difficult problems
- You seek out and appreciate constructive feedback
Preferred Qualifications
- Experience with full stack web development with Ruby on Rails, React, and cloud-native development (AWS preferred)
- Knowledge of, or hands-on experience utilizing advanced CI/CD technologies including infrastructure as code
Position location
This role is available in the following locations: Remote, San Mateo, CA, Austin, TX, or Columbus, OH
Time zone requirements
The team operates on the East/West coast time zones.
Travel requirements
As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
What You'll Love
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
United States | Remote - Anticipated Base Salary Range
$163,600—$226,400 USD
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]
https://www.upstart.com/candidate_privacy_policy
Top Skills
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans.
If you are energized by the impact you think you could make at Upstart, we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced, and we encourage ownership at all levels of the organization. As a result, culture at Upstart is driven by Upstarters. Upstarters are proactive, talented, multi-dimensional and collaborative.
Gallery
Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo, California; Columbus, Ohio; and Austin, Texas.
