Software Engineer, PL Applicant Experience

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October 2

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Upstart

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Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

1001 - 5000 employees

📋 Description

• 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.

🎯 Requirements

• 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.

🏖️ Benefits

• 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 $4,500 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