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Software Engineer, Onboarding Experience

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 Software Engineer at Upstart on the Onboarding Experience team, you will  work across the whole stack, partnering with Engineering, Product, and other internal teams on both existing and greenfield projects. You’ll deliver work with a focus on quality, testability, resiliency, extensibility, and maintainability while always keeping our end users in mind.   

 

How you’ll make an impact

  • Work within all areas of the platform or product, from our web interfaces and 3rd party API integrations, to backend business logic
  • 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
  • Communicate closely with cross-functional partners, keeping all stakeholders informed 

 

Minimum Qualifications 

  • Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders
  • Experience taking initiative to lead or own an important piece of small to medium sized projects involving 1 or more other Engineers, only escalating after trying your best first
  • 4+ 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
  • Proficiency coding in production with 1 or more programming languages. Our tech stack includes Ruby on Rails, and Javascript frameworks such as React and NextJS as well as Kotlin and Python.
  • 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
$142,000$196,600 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

Average salary estimate

$169300 / YEARLY (est.)
min
max
$142000K
$196600K

If an employer mentions a salary or salary range on their job, we display it as an "Employer Estimate". If a job has no salary data, Rise displays an estimate if available.

What You Should Know About Software Engineer, Onboarding Experience, Upstart

At Upstart, we are on a mission to revolutionize the lending experience, and as a Software Engineer focusing on the Onboarding Experience, you'll play a pivotal role in that journey! Based in the United States and offering a fully remote position, you'll join a dynamic team dedicated to streamlining the loan application process for our users. We're passionate about creating exceptional, customer-centric experiences at every step of the journey, which means your work will directly impact how easily borrowers can access credit. You'll collaborate with various teams, delve into both existing projects and exciting new initiatives, and ensure we're always improving our platform’s usability and reliability. Your expertise will shine as you tackle challenges across the entire stack, whether it's enhancing web interfaces, developing API integrations, or refining backend logic. We believe in fostering a culture of growth, so you'll have the chance to lead projects, make architectural decisions, and contribute to our mission of making Upstart the top destination for consumer credit. If you're someone who thrives in fast-paced environments and is eager to learn and innovate, this is the role for you. Join us in helping transform the world of finance while enjoying a supportive and inclusive workplace that values diversity and collaboration.

Frequently Asked Questions (FAQs) for Software Engineer, Onboarding Experience Role at Upstart
What are the responsibilities of a Software Engineer in the Onboarding Experience team at Upstart?

As a Software Engineer on the Onboarding Experience team at Upstart, your primary responsibilities will include building and enhancing features for our loan application process, collaborating with cross-functional teams to ensure a seamless user experience, and driving both existing and new projects. You'll also make architectural contributions to improve our software’s reliability and maintainability, contributing to a culture that values quality and customer-centricity.

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What qualifications are needed to be a Software Engineer at Upstart?

To be a successful Software Engineer at Upstart, candidates should have a minimum of 4 years of professional software development experience, proficiency in programming languages such as Ruby on Rails and JavaScript frameworks, and a strong understanding of building scalable web or mobile products. Additionally, the ideal candidate should have a growth mindset, be comfortable with ambiguity, and demonstrate a bias for action.

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What programming languages should a Software Engineer at Upstart be proficient in?

A Software Engineer at Upstart should be proficient in one or more programming languages used in our tech stack, including Ruby on Rails, JavaScript (React and NextJS), Kotlin, and Python. Experience with cloud-native development, particularly with AWS, is also a preferred qualification for this role.

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How does Upstart ensure a collaborative environment for remote Software Engineers?

Upstart promotes a collaborative environment for remote Software Engineers through regular cross-team meetings, onsite collaboration events, and by fostering open communication across all teams. We encourage Upstarters to spend quality in-person time together, ensuring strong relationships and a cohesive work culture while embracing the flexibility of remote work.

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What can a Software Engineer expect from Upstart’s company culture?

At Upstart, you can expect a positive and inclusive company culture that values diversity, collaboration, and professional growth. We celebrate differences and encourage team members to participate in various employee resource groups and social activities, fostering a supportive environment where everyone can thrive in their roles.

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Common Interview Questions for Software Engineer, Onboarding Experience
Can you describe a project where you had to solve a complex problem as a Software Engineer?

In answering this question, candidates should highlight a specific project, explain the problem they faced, the approach they took to solve it, and the outcomes. Emphasizing your analytical thinking, collaboration with peers, and how you connected your solution to user needs will help demonstrate your skills effectively.

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How do you prioritize tasks when working on multiple projects?

It's important to show your organizational skills here. You might mention setting clear deadlines, using project management tools, and balancing immediate needs with long-term goals. Illustrate your method of tackling high-impact tasks first and how you communicate with stakeholders to ensure alignment.

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What strategies do you use to keep your code maintainable and testable?

Share your best practices regarding code reviews, writing clear documentation, and implementing automated testing procedures. Discuss your commitment to clean coding principles, and how those strategies contribute to overall software quality, reliability, and user satisfaction.

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How do you handle constructive feedback on your code or projects?

Emphasize your openness to feedback by discussing how you view it as an opportunity for growth. Describe a specific instance where you received feedback and how you applied it to improve your work. This shows your willingness to learn and your professionalism.

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Can you explain a time when you had to learn a new technology quickly?

Share an example where you successfully adapted to a new technology, emphasizing your proactive learning approach. Mention resources you used, challenges you faced, and how mastering that technology benefited your team or project, illustrating your growth mindset.

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Describe your experience with API integrations in previous projects?

Bring up specific instances where you designed or worked with APIs, discussing your approach to ensuring they were efficient and user-friendly. Highlight any challenges you encountered and how you addressed them, demonstrating your problem-solving abilities along the way.

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What is your experience with working in cross-functional teams?

Discuss how you value collaboration and give examples of successful projects completed in cross-functional teams. Talk about your role, how you communicated with team members from different disciplines, and the positive outcomes achieved from such teamwork.

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How do you approach testing your code before deployment?

Outline the specific testing strategies you use, such as unit tests, integration tests, or user acceptance testing. Highlight the importance of these tests in maintaining quality and preventing bugs in production, giving specific examples of tests that caught issues before deployment.

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What steps do you take to ensure excellent user experience in your projects?

Describe your approach to keeping end-users in mind throughout the development process, whether through user research, feedback loops, or usability testing. Illustrate this with examples from your work that demonstrate how user experience was prioritized and improved.

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How do you stay updated with the IT industry trends and advancements?

Mention your commitment to lifelong learning through engaging with industry communities, attending conferences, participating in online courses, or following relevant blogs and podcasts. Share how staying informed helps you adapt and grow your skills in line with evolving technologies.

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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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Full-time, remote
DATE POSTED
January 10, 2025

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