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

Upstart's Verifications - PL Applicant Experience team is focused on modernizing the borrower journey end-to-end. The team reduces friction, automates verifications, and enables dynamic decisioning while ensuring fraud prevention and credit risk mitigation. We partner closely with Product, ML, and Platform teams to deliver a seamless and transparent experience for borrowers. As a Software Engineer on the PL Applicant Experience team, you will design and build borrower-facing flows that improve conversion, reduce operational touchpoints, and scale verifications across Upstart products. You'll own features across the full stack, collaborate cross-functionally to optimize the borrower journey, and contribute to building our next-generation decisioning and automation platform.

  • 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.
  • 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.
  • Experience with React, TypeScript, Spring Boot, PostgreSQL, Databricks, AWS, or event-driven architecture.
  • Knowledge of KYC/verification vendors (Socure, Plaid, OCR) and integrating sensitive data services.
  • Strong sense of ownership and accountability for delivering high-quality features on time.
  • Ability to thrive in both independent and collaborative settings, contributing positively to team dynamics.
  • Demonstrated ability to take and incorporate feedback, with a continuous improvement mindset.
  • 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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