Upstart · 16 hours ago
Software Engineer, PL Applicant Experience
United States
Full-time
Remote
Mid Level
$142K/yr - $196K/yr
4+ years expUpstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As a Software Engineer on the PL Applicant Experience team, you will design and build borrower-facing flows that improve conversion and reduce operational touchpoints.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
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
Qualification
Required
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
Preferred
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
Benefits
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
Company
Upstart
Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
1001-5000 employees
H1B Sponsorship
Upstart has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (48)
2024 (70)
2023 (85)
2022 (85)
2021 (42)
2020 (15)
Funding
Current Stage
Public CompanyTotal Funding
$3.36BKey Investors
CastlelakeProgressiveRakuten
2025-11-06Post Ipo Debt· $1.5B
2025-09-05Post Ipo Debt· $320M
2025-08-12Post Ipo Debt· $600M
Leadership Team
Dave Girouard
Founder & CEO
Paul Gu
Co-Founder
Recent News
2025-12-17
The Motley Fool
2025-12-12
The Motley Fool
2025-12-05
Company data provided by crunchbase