Software Engineer, PL Applicant Experience
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Job Location:
San Mateo, CA - USA
Monthly Salary:
Not Disclosed
Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
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 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 80% of borrowers are approved instantly with zero documentation to upload.
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; Austin Texas; and New York City NY (opening Summer 2026).
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
Upstarts Verifications PL Applicant Experience team is focused on modernizing the borrower journey end-to-end. The team reduces friction automates verifications and enables dynamic decisioning while ensuring fraud prevention and credit risk mitigation. We partner closely with Product ML and Platform teams to deliver a seamless and transparent experience for borrowers.
As a Software Engineer on the PL Applicant Experience team you will design and build borrower-facing flows that improve conversion reduce operational touchpoints and scale verifications across Upstart products. Youll own features across the full stack collaborate cross-functionally to optimize the borrower journey and contribute to building our next-generation decisioning and automation platform.
How youll make an impact
- Build and own borrower-facing verification flows end-to-end across frontend and backend.
- Minimize fraud losses to Upstart through better data and ML models
- Drive automation to reduce manual reviews strengthen fraud defenses and improve borrower satisfaction.
- Improve UI experience for operations teams and applicants
- Collaborate with ML and data teams to enable dynamic repricing risk insights and continuous decisioning.
- Design scalable services in a distributed service architecture
Minimum Qualifications
- 4 years of experience developing full-stack web applications professionally.
- Proficiency in Kotlin or Ruby on Rails plus familiarity with at least one additional programming language.
- Experience with React TypeScript Spring Boot PostgreSQL Databricks AWS or event-driven architecture.
- Solid grasp of software development principles and best practices for building scalable maintainable systems.
- Proven ability to analyze and solve complex technical problems effectively.
Preferred Qualifications
- Knowledge of KYC/verification vendors (Socure Plaid OCR) and integrating sensitive data services.
- Strong sense of ownership and accountability for delivering high-quality features on time.
- Ability to thrive in both independent and collaborative settings contributing positively to team dynamics.
- Demonstrated ability to take and incorporate feedback with a continuous improvement mindset.
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 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 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
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 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. Just as we are dedicated to improving access to affordable credit for all we are committed to inclusive and fair hiring practices.
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
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Key Skills
- Spring
- .NET
- C/C++
- Go
- React
- OOP
- C#
- Data Structures
- JavaScript
- Software Development
- Java
- Distributed Systems
About Company
Through Upstart, apply online for a fast personal loan, auto refinancing, or debt consolidation. Try our quick rate check today with no impact to your credit!
