Software Engineer Consumer Platform
Software Engineer Consumer Platform
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Job Description
About Upstart
Upstart is the 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 80 of borrowers are approved instantly with zero documentation to upload.
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!
The Team
Consumer Platforms mission is to ensure consumers are treated as individuals beyond their transactions. We build the foundation that powers personalized experiences across Upstarts productshelping us understand and support our consumers as individuals. Engineers on this team think longterm prioritize strategic clarity and are deeply invested in data accuracy and freshness. As a core product platform team we also partner crossfunctionally with product and engineering teams to create scalable systems that ensure a seamless consumer experience.
How youll make an impact:
As a Software Engineer on the Consumer Platform team youll be at the heart of our efforts to build a scalable multiproduct platform that deepens our relationship with users. In addition to utilizing our current technology stack (AWS Kafka Ruby Kotlin React 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 .
- Collaborating closely with crossfunctional teams and internal stakeholders communicating technical ideas clearly and effectively.
What were looking for:
- Minimum requirements:
- Bachelors degree in Computer Science Engineering or related field.
- 46 years of professional software engineering experience ideally in fullstack development.
- 4 years of handson 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 crossfunctional 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 endtoend 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 onsite 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 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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