Job details

Senior Software Engineer, Personal Loans

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 can live and work anywhere in the U.S. 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

Personal loans make up the majority of the total loan volume at Upstart. As the team that owns the full stack, user-facing experience for our personal loan borrowers, from loan application to origination, the work we do has an outsized impact on the success of the company. We are charged with continuing to grow loan volume through a mix of fast-paced AB testing and longer-term improvements.

As a Senior Software Engineer on the Personal Loans team, you will work as a product engineer on Upstart’s largest business line. You will lead teams to make impactful work happen. You will contribute to all phases of the development cycle from ideation and design through implementation and post-launch operation. We welcome engineers who can pitch their own product ideas and who have strong opinions on how to run a product engineering team. You will work closely with product managers and designers to discover the best possible project ideas.

Position Location - This role is available in the following locations: Remote (US), San Mateo, Columbus

Travel Requirements - This team has regular onsite collaboration sessions. These occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, OH or San Mateo, CA). If you need to travel to make these meetups, Upstart will cover all travel related expenses.

How you’ll make an impact:

Lead teams of engineers to ship every day, making a differential impact in the planning, design, implementation and operations of the product platform
Become extremely knowledgeable of Upstart’s business and customers and help to shape the product vision
Contribute to Upstart’s largest business with ideas that you pitch yourself, or by partnering with Upstart’s other product teams to bring their improvements to personal loans
Help the team to develop new skills and capabilities through hiring, code review and mentoring
Achieve engineering excellence through clever use of data and by leveraging modern engineering techniques like feature flags and observability

What we’re looking for:

Minimum qualifications:
- 5+ years of professional experience as a full-stack engineer
- Has experience leading engineering teams
- Proficient in either TypeScript or Ruby
Preferred qualifications:
- Experience in React with Typescript, Ruby on Rails and Kotlin, and is interested in coaching others to use these and other technologies more effectively
- Background with FinTech products that have significant compliance requirements
- Shown differential impact by leading projects lasting 6 months and across multiple teams
- A product engineering mindset and a background in the further scaling of established products with large numbers of customers

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-MidSenior

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

$155,800—$255,500 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 candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy