About Upstart
Upstart is the 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 80% of borrowers are approved instantly, with zero documentation to upload.
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 Verifications Decisioning team builds core capabilities that i) efficiently deliver online data sources for consumption by Machine Learning (ML) models to improve loan performance and ii) automate decisioning of applications using ML-driven rules to reduce friction and prevent fraud. Upstart has one of the lowest fraud rates in the industry and highest level of automation. This means that the majority of applicants can receive their funds in under 24 hours after they apply. Looking ahead, Verifications need to further push the boundaries of automation doubling down on initiatives that accelerate accuracy of ML models while extending those benefits beyond its flagship Personal Loans business to emerging products such as HELOC, Auto, and Small Dollar loans.
As a Software Engineer at Upstart, you will build services to integrate with new data sources, implement and maintain highly scalable gRPC APIs for internal teams to access data, and partner closely with stakeholders to ensure data quality standards are met and ensured through thorough testing frameworks. These efforts will contribute in accelerating improvements to ML models using richer and more reliable data sources.
How you’ll make an impact
- Work closely with cross-functional teams to understand business goals and translate them into technical requirements.
- Develop robust, high-performance services that enable real-time data retrieval and decisioning.
- Optimize and refactor code for scalability and efficiency, ensuring low-latency responses.
- Maintain and evolve our API infrastructure to support the growing volume of products and integrations.
- Ensure the quality and reliability of ML models by writing unit and integration tests, participating in code reviews, and monitoring production systems.
Minimum Qualifications
- 3+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying a passion for user-experience, and a product-first mindset.
- High level of proficiency coding in production with Kotlin and/or Ruby on Rails.
- Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others.
- Excellent communication skills, able to explain complex technical topics to non-technical stakeholders.
- Extreme ownership of your work with a problem solving mindset, comfortability persevering through ambiguity without delegating the hard part to others
Preferred Qualifications
- You thrive in environments where you are expected to think like an owner and make decisions like one.
- Excellent written and verbal communication skills. You are able to tailor your communication style to fit the needs of the audience.
- Contributes to the open-source community, educates others on software development best practices, or spends time outside of work staying up with the latest trends in modern software development.
- Knowledge of, or hands-on experience utilizing advanced CI/CD technologies with a focus on infrastructure/everything as code.
- You are the go-to person for an important domain on your current or previous team, and love to teach others about it.
Position location This role is available in the following locations: Remote, San Mateo, Columbus, Austin.
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
#LI-REMOTE
#LI-Associate
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).
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
Upstart Austin, Texas, USA Office
Upstart's newest office in Austin overlooks a waterfront park, Auditorium Shores, in the trendy Bouldin Creek neighborhood. With views of the Austin skyline, the office serves as a hub for our sales teams. The workspace is also available to ATX Upstarters seeking an in-office experience.
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