Senior Software Engineer, Upstart
Borrower Experience
$160.4-222k
+Bonus & Equity & Employee Stock Purchase Plan
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$160.4-222k
+Bonus & Equity & Employee Stock Purchase Plan
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- Proven ability to influence technical and non-technical stakeholders, overcoming objections by presenting evidence through data
- Proven success independently leading medium to large engineering teams on complex, multi-quarter initiatives meeting challenging but realistic deadlines
- 6+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying a passion for user-experience, and a product-first mindset
- High level of proficiency coding in production in a full stack capacity with Ruby on Rails and React, or languages with similar syntax
- Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others
- Exhibits a bias for action and comfortability persevering through ambiguity - you regularly practice critical thinking and love to solve difficult problems
- Exhibits a passion for mentorship and coaching junior-mid level Engineers
Desirable
- Experience deploying web applications on Vercel and/or with NextJS
- Well versed with microservices, distributed systems, and cloud-native development (AWS or GCP preferred)
- Knowledge of, or hands-on experience utilizing advanced CI/CD technologies with a focus on infrastructure/everything as code
- Contributes to the open-source community, educates others on software development best practices, or spends time outside of work staying up with the latest trends in modern SDLC
- You are the Subject Matter Expert or go-to for an important domain on your current or previous team, and love to teach others about it
What the job involves
- As a Senior Software Engineer of Borrower Experience at Upstart, you will empower over 2 million borrowers with effortless self-serve payment options to avoid and recover from delinquency as they pay back $15BN in loans
- You’ll collaborate with product, machine learning, operations, and design teams to create a groundbreaking system that makes the healthiest financial choices the easiest ones
- Lead successful projects working collaboratively with engineering team members and cross-functional partners
- Make thoughtful architectural decisions to improve the quality of our software
- Translate complex business requirements into technical plans, and ultimately high quality code
- Drive a culture of technical excellence
Our take
Business startups across the world usually seek out funding, but this is often difficult for companies led by millenials. Millennial entrepreneurs with an excellent track record in business are increasingly requiring access to these loans, but their lack of credit history results in proposals frequently being declined.
Upstart provides loans that are aimed towards the target audience of millennials with entrepreneurial intentions, offering low interest rates that average at 12%. The company claims these rates are 10% lower than traditional lenders, and the service aims towards ensuring that the client is subject to no further fees (such as prepayment penalties).
Upstart claims that its unique selling point lies in the fact that its loans are funded the day after approval. Whilst the service focuses on personal loans for business, the company has also expanded to offer loans for car refinancing. Over 2022 and 23, Upstart's stocks fell dramatically and an investigation was undertaken by a law firm representing the company's long-term investors over alleged security law violations by its board of directors. However, the end of 2023 saw a 20% stock value rise for Upstart after its partnership with Mutual Security Credit Union led to a rise in customers, indicating that it is on the up after a difficult two years.
Freddie
Company Specialist
Insights
Some candidates hear
back within 2 weeks
-16% employee growth in 12 months
Company
Funding (last 2 of 6 rounds)
Apr 2019
$50m
SERIES D
Mar 2017
$32.5m
SERIES D
Total funding: $135.7m
Company benefits
- Comprehensive health plans
- 401k Plan
- Life insurance
- Disability insuranc
- Generous vacation policy
- Flexible time off
- Parental leave
- Technology equipment budget
- Personal development budget
- Various clubs and extracurricular activities
- Catered lunches
- Fully-stocked micro-kitchen
Company values
- Every second counts
- Do the right thing even when it's hard
- Make clever use of numbers
- Be smart and know you might be wrong
- Don't assume it can be done
Company HQ
South San Mateo, San Mateo, CA
Articles
Leadership
David Girouard
(CEO)They started their career at Accenture and Booz Allen & Hamilton before working in Product Management at Apple and Virage. They left their role of 8 years as President of Enterprise at Google to found Upstart in March 2012.
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