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Senior Software Engineer, Servicing

Leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit using AI technology.
San Mateo, CA, USAColumbus, OH, USAAustin, TX, USA
$163,600 - $226,400
Backend
Senior Software Engineer
Hybrid
1,000 - 5,000 Employees
5+ years of experience
AI · Finance

Job Description

Upstart is the 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 80% of borrowers are approved instantly, with zero documentation to upload.

As a member of our Servicing Engineering team, you will play a pivotal role in ensuring smooth loan management, optimizing collections, and cultivating strong customer relationships. Our team's primary objective is to develop a cutting-edge loan servicing platform, introduce business process automation, enhance efficiency, and deliver an intuitive user experience for both borrowers and internal stakeholders.

As a Senior Software Engineer at Upstart, you're a leader who can work across the whole stack, who doesn't need roads paved for you before you take action. You're an individual contributor who uses tech to ply your craft, but you excel at thinking like a product manager and a business owner when needed. You can handle high-stakes calls with 3rd parties and customers, and you thrive on making decisions that impact not just how we build but what we build. Finally, you're a mentor, and you take seriously the responsibility to coach and grow each of the engineers around you.

We are a digital-first company, providing employees with the opportunity to work remotely across the US and/or from one of our physical office locations. The majority of your work can be accomplished remotely, but teams meet once or twice per quarter for 2-4 consecutive days at a time for high-quality in-person collaboration.

At Upstart, your base pay is one part of your total compensation package. We offer competitive compensation including equity, comprehensive benefits, and a collaborative work environment where you can make a real impact on the future of lending technology.

Last updated 5 hours ago

Responsibilities For Senior Software Engineer, Servicing

  • Lead successful cross-team and/or multi-quarter, multi-engineer projects
  • Move quickly to drive both existing and greenfield projects forward
  • Proactively search out ways to expand impact beyond the Jira board
  • Turn team-specific projects into opportunities to up-level the team
  • Help build our engineering team and keep Upstart a genuinely awesome place to work

Requirements For Senior Software Engineer, Servicing

Ruby
Kotlin
  • 5+ years of professional software development experience
  • Technical leadership experience
  • Deep understanding of code release, deployment orchestration, logging, instrumentation, monitoring, and alerting in a microservices environment
  • Experience designing, developing, and deploying microservices-based applications
  • Strong sense of ownership and accountability
  • Experience with Ruby on Rails or Kotlin

Benefits For Senior Software Engineer, Servicing

401k
Medical Insurance
Dental Insurance
Vision Insurance
Parental Leave
Equity
  • Competitive Compensation (base + bonus & equity)
  • Medical, dental, and vision coverage
  • 401(k) with 100% company match up to $4,500
  • Employee Stock Purchase Plan (ESPP)
  • Life and disability insurance
  • Generous holiday, vacation, sick and safety leave
  • Parental, family care, and military leave programs
  • Annual wellness, technology & ergonomic reimbursement
  • Catered lunches + snacks & drinks when working in offices

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