Software Engineer, Consumer Platform

Upstart, a leading AI lending marketplace, is seeking a Software Engineer to join their Consumer Platform team. This role offers an exciting opportunity to work at the intersection of fintech and AI, helping build scalable systems that personalize experiences across Upstart's products.

The Consumer Platform team's mission is to ensure consumers are treated as individuals beyond their transactions. As a Software Engineer on this team, you'll be instrumental in building the foundation that powers personalized experiences across Upstart's products. The role requires a strong technical background with 4-6 years of experience, particularly in fullstack development using technologies like Kotlin, Ruby, React, and SQL.

The position offers a competitive compensation package ranging from $142,000 to $196,600 USD, along with comprehensive benefits including medical, dental, and vision coverage, 401(k) matching, equity through ESPP, and various wellness programs. The role provides flexibility with options to work remotely or from offices in San Mateo, Columbus, or Austin.

You'll be working in a digital-first environment while maintaining regular on-site collaboration sessions (3 days per quarter). The team values engineers who think long-term, prioritize strategic clarity, and are deeply invested in data accuracy and freshness. This is an excellent opportunity for someone who wants to make a significant impact in the fintech space while working with modern technologies and contributing to a mission of expanding access to affordable credit.

The ideal candidate will have strong fullstack development skills, experience with microservices architecture, and the ability to create maintainable solutions across both backend and frontend systems. You'll be expected to take initiative beyond assigned tasks, shape technical direction, and communicate effectively with cross-functional teams.

Join Upstart if you're passionate about using technology to make a real difference in people's lives through more accessible and efficient financial services. The company's culture emphasizes innovation, collaboration, and making data-driven decisions to improve the lending marketplace.