Software Engineer, Auto Retail
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 Auto Retail team is on a mission to build the world's best car buying experience. More than $1 trillion of cars are sold each year in the U.S., yet it consistently ranks as one of the worst consumer experiences in America. Join us to help fix that, and make a big impact in one of the world’s largest industries.
As a Software Engineer on the Auto Retail team at Upstart, you will work closely with cross-functional partners to execute projects across the whole stack. You’re a self-starter who delivers work with quality, testability, resiliency, and maintainability in mind. You’ll move efficiently and deliberately to drive both existing and greenfield projects forward, while always keeping our end users in mind.
How you’ll make an impact
- Lead successful projects working collaboratively with engineering team members and cross-functional partners
- Make thoughtful architectural decisions to improve the quality of our software
- Translate complex business requirements into technical plans, and ultimately high quality code
- Drive a culture of technical excellence
Minimum Qualifications
- 4+ years of experience working on SaaS applications
- 3+ years of experience working in a full stack capacity with NodeJS/Typescript/Python backend and React/Angular frontend
- Able to translate complex business requirements into system architecture and technical designs
- Experience in working on medium to large projects through planning, design, implementation, and launch
- Experience contributing to a culture of technical excellence related to quality, availability, and scalability
Preferred Qualifications
- Experience in building microservices
- Experience in building 3rd party integrations using REST/Soap APIs
- Experience with cloud computing platforms and services such as AWS, Azure, or GCP
Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin
Time Zone Requirements - This team operates across all U.S. time zones.
Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.
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).
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 candidate_accommodations@upstart.com
Average salary estimate
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If you're a passionate Software Engineer eager to make a difference in the auto retail industry, Upstart is looking for you! Based in the United States and embracing a remote-first culture, Upstart is an innovative AI lending marketplace that provides accessible credit to everyone. Joining the Auto Retail team means you're part of a mission to create the world’s best car-buying experience, improving one of the largest sectors in the U.S. that often ranks poorly for customer satisfaction. As a Software Engineer here, you'll collaborate closely with both engineering colleagues and cross-functional partners, diving into diverse projects that span across the entire tech stack. Your expertise will lead to creating high-quality, maintainable code, ensuring that complex business needs are translated into effective technical solutions. With requirements including at least 4 years of experience with SaaS applications and proficiency in both full-stack technologies like NodeJS and frontend frameworks like React, you'll have the chance to grow and help drive a culture of technical excellence at Upstart. This role isn't just about writing code; it's about making impactful architectural decisions, steering projects from inception to execution, and ensuring a quality user experience. Plus, Upstart offers competitive compensation, robust benefits, and a vibrant team culture that ensures a supportive environment for both personal and professional growth. Come join our dynamic team and be a part of a revolutionary change!
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 would love to hear from you!
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