Upstart-posted 3 months ago
Full-time • Senior
San Mateo, CA
1,001-5,000 employees
Credit Intermediation and Related Activities

Upstart's Onboarding Experience team is dedicated to creating a seamless loan application process that allows customers to quickly and easily complete all steps required to fund their loan. By building exceptional, customer-centric experiences for both Upstart borrowers and internal Operations teams, this team plays a crucial role in making Upstart the premier destination for consumer credit. This team focuses on our flagship product, Personal Loans, and directly impacts our growth in this business by reducing friction for applicants and improving the efficiency of our operations. As a Senior Software Engineer at Upstart on the Onboarding Experience team, you will work across the whole stack, partnering with Engineering, Product, Operations and other internal teams on both existing and greenfield projects. You'll deliver work with a focus on quality, testability, resiliency, extensibility, and maintainability while always keeping our end users in mind.

  • Work within all areas of the platform or product, from our web interfaces and 3rd party API integrations, to backend business logic
  • Move quickly to drive 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
  • Communicate closely with cross-functional partners, keeping all stakeholders informed
  • 7+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying high standards for user-experience, and a product-first mindset
  • Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders
  • Exhibit a growth mindset - you're comfortable with the uncomfortable, and are not afraid to pick up new technologies that are best for the task, and seek out opportunities to learn from others
  • Excellent written and verbal communication skills, able to explain complex technical topics to non-technical stakeholders
  • Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback
  • Experience with full stack web development with Ruby on Rails, React, and cloud-native development (AWS preferred) and Docker, GitHub Actions, utilizing CI/CD technologies including infrastructure as code
  • Experience integrating and working with AI/ML models and understanding their capabilities, particularly for financial use cases
  • Experience in the customer support tech domain (e.g., contact center platforms, customer engagement solutions, or conversational AI systems)
  • You thrive in environments where you are expected to think like an owner and make decisions like one
  • Passion for improving user experience through best practices and metrics-driven development
  • Comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role
  • 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
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