Software Engineer, Consumer Platform

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.

The Consumer Platform team's mission is to ensure consumers are treated as individuals beyond their transactions. We build the foundation that powers personalized experiences across Upstart's products—helping us understand and support our consumers as individuals. Engineers on this team think long-term, prioritize strategic clarity, and are deeply invested in data accuracy and freshness.

As a Software Engineer on the Consumer Platform team, you'll be at the heart of our efforts to build a scalable, multi-product platform that deepens our relationship with users. You'll work with modern technologies including AWS, Kafka, Ruby, Kotlin, React, and Next.js to design and develop resilient services that serve internal product teams and directly impact the consumer experience.

The role offers competitive compensation ($142,000—$196,600 USD) along with comprehensive benefits including medical/dental/vision coverage, 401(k) matching, equity, and more. You'll join a digital-first company that values work-life balance, with quarterly in-person collaboration sessions at Upstart offices.

This is an excellent opportunity for a fullstack engineer passionate about building platform services and creating impact at scale. You'll help shape technical direction, improve engineering excellence, and work closely with cross-functional teams while leveraging both backend and frontend skills to create maintainable solutions that power Upstart's consumer experiences.