Software Engineer, Unsecured Installments

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Overview of Upstart

Upstart is a digital-first company with a mission to radically reduce the cost and complexity of borrowing for Americans. They leverage creativity, experimentation, and advanced AI technology to reshape access to credit. Their platform utilizes over one million predictions per borrower and connects with banks and credit unions to provide affordable credit solutions.

As the leading AI lending marketplace, Upstart aims to create meaningful experiences for borrowers, helping them navigate their financial journeys with clarity and confidence. The company's culture encourages flexibility, allowing team members to work remotely while remaining connected through regular in-person gatherings and planning sessions.

About the Position

The position in question is for a Software Engineer focused on Unsecured Installments. This role sits at the core of Upstart’s lending products, playing a critical role in the borrower's journey from offer generation to overall experience. The team’s recent priorities have included enhancing borrower flows, improving partnership experiences, and refining overall customer satisfaction.

As a Software Engineer, your main responsibilities will include creating and enhancing frontend and full-stack experiences for borrowers using React and TypeScript. You will work closely with backend developers, product managers, and designers to ensure a seamless connection between user interfaces and transactional systems.

Key Responsibilities

You will be expected to:

• Build and maintain borrower-facing web experiences with a focus on clean, responsive design.
• Work on full-stack features by connecting frontend applications with backend services and APIs.
• Collaborate effectively with product teams and designers to define and implement features that enhance borrower flows.
• Write well-tested, maintainable code while participating in peer code reviews to ensure high-quality standards.
• Monitor and improve the performance and reliability of the borrower experiences you develop.
• Use data and feedback to continually enhance borrower flows through experimentation and iterative improvements.

Required Qualifications

Candidates for this position should meet the following minimum qualifications:

• A Bachelor's degree in Computer Science, Engineering, or related fields, or equivalent practical experience combined with at least 4-5 years in professional software engineering.
• Strong experience in building web applications using React and TypeScript, encompassing aspects like component design and state management.
• Previous full-stack experience involving backend services and APIs, particularly languages like Python, Java, Kotlin, Ruby, or Node.js.
• Proven ability to write tested, maintainable code and collaborate within a team environment.
• Strong collaboration skills with product and design teams to deliver functional features.

Preferred Qualifications

While not essential, the following qualifications are desirable for candidates:

• Experience in developing consumer-facing products with a focus on performance, accessibility, and user experience.
• Familiarity with modern frontend tools and testing frameworks such as Jest, React Testing Library, or Cypress.
• Previous exposure to fintech, lending, payments, or the dynamics of regulated financial products.
• Experience with experimentation methodologies, A/B testing, or feature-flagging in production settings.
• An active engagement with AI tools in software engineering, reflecting a forward-thinking approach.
• A passion for building products that broaden access to credit and improve overall financial outcomes for consumers.

Remote Work and Travel Requirements

This is a remote position, allowing employees to work from anywhere in the U.S. Upstart maintains a digital-first culture, emphasizing in-person collaboration through regular onsite meetings that occur once or twice each quarter.

Compensation and Benefits

Upstart offers a competitive total compensation package, including:

• Base salary ranging from $142,000 to $196,600 (USD) for U.S. applicants, varying based on geographic location and experience.
• Additional perks such as target bonuses, equity compensation, and a generous benefits package, which includes medical, dental, vision, and 401(k) plans.
• An Employee Stock Purchase Plan (ESPP) and opportunities for personal growth and development.
• Paid time off, sick leave, and parental leave, along with family-centered benefits for those needing additional support.
• Mental health resources and a comprehensive EAP.

Conclusion

This Software Engineer position at Upstart offers a dynamic and rewarding opportunity to work at the intersection of tech and finance, contributing to a company that aims to reshape the lending landscape. With extensive benefits and a commitment to flexible work, it is ideal for candidates passionate about leveraging technology to improve financial accessibility.

This job offer was originally published on jobicy.com