Senior Software Engineer, Borrower 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 

Borrowers at Upstart are often approved within 20 minutes, but spend five years repaying their loans. Upstart’s Servicing team manages 99 percent of borrower interactions, aiming to maximize loan performance through effortless, delightful experiences and precise, ML-driven decision making.

As a Senior Software Engineer of Borrower Experience at Upstart, you will empower over 2 million borrowers with effortless self-serve payment options to avoid and recover from delinquency as they pay back $15BN in loans. You’ll collaborate with product, machine learning, operations, and design teams to create a groundbreaking system that makes the healthiest financial choices the easiest ones. 

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

What we’re looking for 

• Minimum Qualifications:
  • Proven ability to influence technical and non-technical stakeholders, overcoming objections by presenting evidence through data
  • Proven success independently leading medium to large engineering teams on complex, multi-quarter initiatives meeting challenging but realistic deadlines
  • 6+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying a passion for user-experience, and a product-first mindset
  • High level of proficiency coding in production in a full stack capacity with Ruby on Rails and React, or languages with similar syntax
  • Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others
  • Exhibits a bias for action and comfortability persevering through ambiguity - you regularly practice critical thinking and love to solve difficult problems
  • Exhibits a passion for mentorship and coaching junior-mid level Engineers 
• Preferred Qualifications:
  • Experience deploying web applications on Vercel and/or with NextJS
  • Well versed with microservices, distributed systems, and cloud-native development (AWS or GCP preferred)
  • Knowledge of, or hands-on experience utilizing advanced CI/CD technologies with a focus on infrastructure/everything as code
  • Contributes to the open-source community, educates others on software development best practices, or spends time outside of work staying up with the latest trends in modern SDLC
  • You are the Subject Matter Expert or go-to for an important domain on your current or previous team, and love to teach others about it

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

#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).

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