Software Engineer Home Lending
Software Engineer Home Lending
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Job Description
About Upstart
Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts AI marketplace Upstartpowered banks and credit unions can have higher approval rates and lower loss rates across races ages and genders while simultaneously delivering the exceptional digitalfirst lending experience their customers demand. More than twothirds of Upstart loans are approved instantly and are fully automated.
Upstart is a digitalfirst 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 wed love to hear from you!
As a software engineer on the Home Lending team youll help build and grow Upstarts 2 newest products: HELOC and Mortgage.
Why home loans Millions of homeowners are locked into longterm lowinterest 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 its where we can make our biggest impact.
Why us The market has left behind millions of Americans with imperfect credit or difficulttodocument income. Serving these customers is our bread and butter and its core to our mission. Because we use machine learning and automation to assess creditworthiness we can offer a faster experience at a better price.
We want our team to reflect the people were serving. To serve customers at the fringes we need people who think at the fringesweird quirky outofthebox doers who reason from first principles and not from the status quo. We leave our ego at the door and crave being proven wrong. Were a highempathy team and we succeed as a team first individuals second.
As an engineer on one of Upstarts newest teams youll work closely with crossfunctional partners working across the whole stack. Youre a selfstarter thats 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 youre looking to get your hands into both areas of the stack. Youre 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 Kubernetes Kotlin React) heres how youll make an impact:
- Proactively search out ways to make an impact beyond the Jira board
- Turn featurespecific tasks into opportunities to uplevel the teams codebase and product
- Know the product intimately enough to propose changes to requirements when we need to find a middle path
- Propose and deliver new ideas that achieve meaningful improvements to our teams metrics
- Contribute in a meaningful way to quality improvements within our team
What were looking for:
- Minimum requirements:
- 4 years professional experience in fullstack software
- 4 years proficiency in Kotlin Java or C#. (Our backend is in Kotlin but Java and C# are similar enough that you can learn on the job.
- Some handson experience with a JavaScript framework like React
- Some handson experience with SQL databases and domain modeling
- Preferred qualifications:
- Excellent written and verbal communication skills. As an engineer a big part of your job will be representing your projects in crossfunctional conversations and youll need to tailor your communication style to fit these different audiences needs.
- Preference for facetime and synchronous collaboration. Were a distributed team of remote workers (from coast to coast) and while we predominantly build asynchronously we prefer facetime when collaborating in a tight feedback loop. Youll need to be comfortable with a few hours of Zoom per day (e.g. mob programming) to excel in this role.
- Comfortable challenging authority. We want engineers who can push back on their managers when they think were going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one.
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 travelrelated expenses.
What youll 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 $4500 and immediate vesting and aftertax 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 allcompany 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
#LIREMOTE
#LIAssociate
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 locationwith our digital first philosophy Upstart uses compensation regions that vary depending on location. Individual pay is also determined by jobrelated 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 preemployment testing or otherwise participating in the employee selection process please email
Employment Type
Full Time
Key Skills
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