About Upstart
Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's 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 two-thirds of Upstart loans are approved instantly and are fully automated.
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; and Austin, Texas.
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, we’d love to hear from you!
The Team
Upstart’s Product-Led Growth (PLG) Team is focused on driving growth by deepening relationships with our existing customers. Our vision is to keep users permanently underwritten and engaged with relevant, timely offers that enhance their financial journey throughout their experience with Upstart.
As a Software Engineer at Upstart, you will play a role in shaping how we drive growth and engagement through intelligent targeting, seamless offer presentation, and strategic product recommendations. You’ll be responsible for enhancing our logged in user dashboard, optimizing out-of-funnel cross-sell strategies, and advancing our efforts by improving data collection, pricing orchestration, and personalized offer experiences. Your work will directly contribute to increasing customer lifetime value and helping more people access the right financial products at the right time.
How you’ll make an impact:
- Design and implement features that support intelligent, personalized offer recommendations to our user base
- Work with Product Managers, Product Designers, Research Scientists, and Marketing Managers to design and deliver high-quality products
- Leverage experimentation and data-driven insights to refine growth strategies, optimizing engagement and conversion through continuous testing, iteration, and personalization.
- Promote a culture of technical excellence focused on providing high quality solutions and incrementally enhance systems with each pull request.
What we’re looking for:
- Minimum requirements:
- Bachelor's degree in Computer Science, Engineering, or a related field
- 4+ years of experience in software development with the ability to operate in a full stack capacity
- Experience in product oriented teams with quantifiable customer impact
- Experience designing, developing, and deploying microservices-based applications
- Preferred qualifications:
- Master’s degree in Computer Science, Engineering, or a related field
- Experience with growth engineering product stacks (Optimizations, Experimentation, Personalization, Recommendation Systems, etc)
- Experience leading a team with mobile app ownership
- Proven track record of leading and scaling engineering teams
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 you'll 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 $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
#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 location–with 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 candidate_accommodations@upstart.com