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.

Consumer Platform'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 I (L3) on Consumer Platform, you'll work under guidance to deliver high-quality features within our platform and learn to take increasing ownership of your deliverables. You'll build reliable feature-level services, contribute to full-stack tasks, resolve bugs and production issues, drive small enhancements, and communicate effectively with the team.

The role offers competitive compensation, comprehensive benefits, and the opportunity to work in a digital-first company with regular on-site collaboration sessions. You'll be part of a team that values strategic thinking, data accuracy, and cross-functional collaboration while building scalable systems that ensure seamless consumer experiences.

Join us in our mission to enable access to effortless credit based on true risk, working with modern technologies like Kotlin, Ruby, React/Next.js, and cloud-native environments. Whether you choose to work remotely or from our offices in San Mateo, Columbus, or Austin, you'll be part of a team that's transforming the lending industry through AI and innovative technology.