Software Engineer, Merchandising
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Job Location:
San Mateo, CA - USA
Monthly Salary:
Not Disclosed
Posted on:
7 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
Merchandisings mission is to build a coordinated adaptive system that deepens engagement supports customer financial health and compounds value for users over time. Our team helps users take their next best financial step through intelligent data-driven experiences that create long-term value through relevance efficiency and trust.
The Merchandising team is responsible for our top-of-funnel experiences such as our homepage and product landing pages as well as critical logged-in experiences including My Account. As an engineer on our team you will be tasked with implementing new product functionality creating and running experiments addressing technical issues and helping architect solutions that scale.
How youll make an impact:
As a Software Engineer on Merchandising youll work with stakeholders to deliver high-quality features within our products and learn to take increasing ownership of your your first year you will:
- Build product features that encourage users to engage with our offerings more frequently and consistently.
- Contribute to full-stack tasks. Ship front-end work in React/ and backend endpoints ensuring your code is tested documented and reviewed.
- Resolve bugs and production issues. Learn to debug common issues in your feature space follow runbooks and participate in on-call rotations with mentorship.
- Drive small enhancements. Identify opportunities to improve code quality or developer workflows (e.g. add tests improve logging) and propose changes.
- Communicate effectively. Ask clarifying questions share progress in stand-ups and solicit feedback in design and code reviews.
What were looking for:
- Minimum requirements:
- Bachelors degree in Computer Science Engineering or related field (or equivalent practical experience)
- 3 years of professional software development experience.
- Familiarity in at least one backend language (Kotlin Java or Ruby).
- Familiarity with modern JavaScript frameworks such as React/ & Frontend development.
- Familiarity with SQL databases and domain modeling.
- Strong communication skills and ability to represent technical work in cross-functional settings.
- Preferred qualifications:
- Internship or bootcamp experience at a software company demonstrating end-to-end project contributions.
- Exposure to cloud-native environments (AWS) and messaging systems (Kafka).
- Basic understanding of API design and microservices principles.
- Familiarity with automated testing frameworks and continuous integration workflows.
- Interest in platform engineering and passion for building internal tools and libraries.
- Demonstrated ownership of small-scale projects from requirement gathering through to deployment and monitoring.
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 on-site 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 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-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 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. 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
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!
