Software Engineer, Consumer Platform

The Team

Consumer Platform’s mission is to ensure consumers are treated as individuals beyond their transactions. We build the foundation that powers personalized experiences across Upstart’s products—helping us understand and support our consumers as individuals. Engineers on this team think long-term, prioritize strategic clarity, and are deeply invested in data accuracy and freshness. As a core product platform team we also partner cross-functionally with product and engineering teams to create scalable systems that ensure a seamless consumer experience.

How you’ll make an impact:

As a Software Engineer on the Consumer Platform team, you’ll be at the heart of our efforts to build a scalable, multi-product platform that deepens our relationship with users. In addition to utilizing our current technology stack (AWS, Kafka, Ruby, Kotlin, React, Next.js), your contributions will extend in the following impactful ways:

• Designing and developing resilient services that serve internal product teams and directly impact the consumer experience.
• Taking initiative beyond assigned Jira tasks, proactively identifying opportunities to elevate product and code quality.
• Helping to shape up the technical direction and improve engineering excellence by proposing and leading impactful initiatives.
• Using your fullstack skills to create maintainable solutions, working across backend systems (Kotlin, Ruby) and frontend frameworks (React, Next.js).
• Collaborating closely with cross-functional teams and internal stakeholders, communicating technical ideas clearly and effectively.

What we’re looking for: 

• Minimum requirements:
  
  • Bachelors degree in Computer Science, Engineering, or related field.
  • 4–6 years of professional software engineering experience, ideally in fullstack development.
  • 4+ years of hands-on experience with Kotlin, Java, or Ruby (Upstart uses Kotlin and Ruby on the backend).
  • Experience with modern JavaScript frameworks such as React.
  • Familiarity with SQL databases and domain modeling.
  • Strong communication skills and ability to represent technical work in cross-functional settings.
• Preferred qualifications:
  • Experience designing APIs and working with microservices.
  • Experience building reusable frontend components leveraged by different teams.
  • Proven track record of making strategic contributions beyond individual features or projects, and a passion for improving team performance in code quality and system reliability.
  • Interest in or experience with product platform engineering or serving internal product teams.
  • Demonstrate strong end-to-end ownership for driving initiatives right from ideation to delivery and beyond -  rather than simply executing on instructions.

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

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