Software Engineer, Onboarding Experience

Upstart; United States; Remote; USD 142,000 - 197,000; Full time

Job summary

Join a pioneering AI lending marketplace as a Software Engineer and contribute to transforming the consumer credit landscape. In this dynamic role, you will work on both existing and new projects, focusing on delivering high-quality, user-friendly experiences. Collaborate with cross-functional teams to enhance our onboarding processes and ensure seamless loan applications. This innovative company values initiative and fosters a growth mindset, making it an exciting place for tech enthusiasts who want to make a meaningful impact. If you're ready to tackle complex challenges and thrive in a digital-first environment, this opportunity is perfect for you.

Benefits

Competitive Compensation

Comprehensive medical, dental, and vision coverage

401(k) with company match

Employee Stock Purchase Plan

Life and disability insurance

Generous leave policies

Wellness reimbursement programs

Catered lunches in offices

Social activities and team events

Qualifications

• 4+ years of software development experience with focus on user experience.
• Proficiency in Ruby on Rails and Javascript frameworks.

Responsibilities

• Work across the stack on web interfaces and backend logic.
• Drive projects forward while ensuring user-centric design.

Skills

Software Development

Problem Solving

Communication

Critical Thinking

Initiative

Growth Mindset

Education

Bachelor's Degree in Computer Science or related field

Tools

Ruby on Rails

React

AWS

Kotlin

Python

Job description

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 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 Software Engineer at Upstart on the Onboarding Experience team, you will work across the whole stack, partnering with Engineering, Product, 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.

How you’ll make an impact

• 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.

Minimum Qualifications

• Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders.
• Experience taking initiative to lead or own an important piece of small to medium-sized projects involving one or more other Engineers, only escalating after trying your best first.
• 4+ 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.
• Proficiency coding in production with one or more programming languages. Our tech stack includes Ruby on Rails, and Javascript frameworks such as React and NextJS as well as Kotlin and Python.
• 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.
• Exhibit a bias for action and comfortability persevering through ambiguity - you regularly practice critical thinking and love to solve difficult problems.
• You seek out and appreciate constructive feedback.

Preferred Qualifications

• Experience with full stack web development with Ruby on Rails, React, and cloud-native development (AWS preferred).
• Knowledge of, or hands-on experience utilizing advanced CI/CD technologies including infrastructure as code.

Position location: This role is available in the following locations: Remote, San Mateo, CA, Austin, TX, or Columbus, OH.

Time zone requirements: The team operates on the East/West coast time zones.

Travel requirements: As a digital-first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to still spend high-quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

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.

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). United States | Remote - Anticipated Base Salary Range $142,000 — $196,600 USD.

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 [e-mail].

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