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!
As a software engineer on the Home Lending team, you’ll help build and grow Upstart’s 2 newest products: HELOC and Mortgage.
Why home loans? Millions of homeowners are locked into long-term low-interest mortgages and looking for a way to access their equity. By securing a loan against their house, we can lend them fast, affordable credit for remodels, big purchases, or paying off debt. This is a huge category of consumer credit, and it’s where we can make our biggest impact.
Why us? The market has left behind millions of Americans with imperfect credit or difficult-to-document income. Serving these customers is our bread and butter, and it’s core to our mission. Because we use machine learning and automation to assess credit-worthiness, we can offer a faster experience at a better price.
We want our team to reflect the people we’re serving. To serve customers at the fringes, we need people who think at the fringes—weird, quirky, out-of-the-box do-ers who reason from first principles and not from the status quo. We leave our ego at the door and crave being proven wrong. We're a high-empathy team, and we succeed as a team first, individuals second.
As an engineer on one of Upstart’s newest teams, you’ll work closely with cross-functional partners, working across the whole stack. You're a self-starter that's able to leverage tools in your toolbelt to pave your own path forward to progress and deliver work with quality, testability, resiliency, and maintainability in mind. You may currently specialize on the frontend (React) or backend (Kotlin), but you're looking to get your hands into both areas of the stack. You're eager to learn and grow as an individual but also enjoy helping your team come along for the ride.
Beyond leveraging our existing tech (AWS, Kafka, Spring Boot, Next.js, Kubernetes, Kotlin, React), here’s how you’ll make an impact:
What we’re looking for:
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. But our team still has regular onsite collaboration sessions. These occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, Austin, or San Mateo). If you need to travel to make these meetups, Upstart will cover all travel-related expenses.
What you'll love:
#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 candidate_accommodations@upstart.com