Software Engineer, Servicing
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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
At Upstart were united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day we bring creativity experimentation and advanced AI to reshape access to credit helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace we partner with banks and credit unions to expand access to affordable credit through technology thats both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1800 signals powering smarter fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea every voice and every contribution moves us closer to a world where credit never stands between people and their financial progress.
Were proudly digital-first giving most Upstarters the flexibility to do their best work from wherever they thrive alongside teammates across 80 cities in the US and Canada. Digital-first doesnt mean distant. Were intentional about in-person connection through team onsites planning sessions and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus Austin the Bay Area or New York City (opening Summer 2026) youll have the support to work in the way that works best for you.
If youre energized by tackling meaningful problems excited to innovate with purpose and motivated by work that truly matters wed love to hear from you.
The Team
Upstart has experienced remarkable growth in recent years successfully processing billions of dollars in loans every quarter. The Servicing Engineering team plays a crucial role in managing these loans smoothly maximizing collections and building strong customer relationships. Our primary focus is to build a loan servicing platform and automate business processes while enhancing efficiency and providing an intuitive user experience for both our borrowers and internal teams through the use of data analytics machine learning and automation.
As a Software Engineer on our Servicing Engineering team youll work closely with cross-functional partners to identify areas for improvement automate repetitive tasks and implement scalable solutions. By optimizing workflows integrating systems and leveraging technology we empower our servicing partners to prioritize high-value activities and deliver exceptional service to our customers. Your contributions will be instrumental in delivering exceptional customer experiences while driving continuous improvement in our servicing capabilities to meet the growing demands of our unique role in the fintech ecosystem.
How youll make an impact:
- Work within all areas of the platform from our web interfaces and 3rd party API integrations to backend business logic
- Move quickly to drive both existing and greenfield projects forward while always keeping our end users in mind
- Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base
- Help us build our engineering team and make Upstart a genuinely awesome place to work
What were looking for:
- Minimum requirements:
- 2 years of experience developing full stack web applications professionally
- Proficiency in one or more programming languages
- Solid grasp of software development principles and best practices for creating scalable and maintainable systems
- Proven ability to effectively analyze and solve complex problems
- Preferred qualifications:
- Experience with designing developing and deploying microservices-based applications
- Strong sense of ownership and accountability for the quality and timely delivery of work
- Demonstrated ability to take feedback well and actively incorporate it into work showing a growth mindset and a desire to continuously improve
- Ability to thrive both in self-directed work environments and in collaborative settings contributing positively to team dynamics
- Experience with Ruby on Rails and React or NextJS
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.
#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).
What youll love
At Upstart our benefits are designed to support your health financial well-being family and personal growth. Heres what you can expect:
- Competitive compensation including base pay bonus opportunities and annual equity grants that vest quarterly
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed up to $15000 per year
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
- Affordable medical dental and vision coverage with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
- Health Savings Account contributions from Upstart for eligible plans
- Income protection benefits including company-paid Basic Life AD&D and Short- and Long-Term Disability coverage with options to purchase supplemental coverage
- Paid time off sick and safe time and company holidays
- Paid family and parental leave to support caregiving and major life moments
- Family-centered benefits through Carrot and Cleo supporting fertility parenthood and caregiving
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources including access to financial planning tools and a financial concierge service
- Annual wellness allowance to support your physical and emotional well-being and personal development based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work no matter where you work from
- Connection and community through team events and onsites all-company updates and employee resource groups (ERGs)
- Onsite perks including catered lunches and fully stocked micro-kitchens when working from one of our four offices located in the Bay Area Austin Columbus and New York City (opening Summer 2026!).
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
IC
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!
