Software Engineer, Home Lending

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.

As a software engineer on the Home Lending team, you'll help build and grow Upstart's 2 newest products: HELOC and Mortgage. This is a crucial role where you'll work on providing millions of homeowners access to their equity through fast, affordable credit for remodels, big purchases, or paying off debt.

The role involves working across the full stack, utilizing both frontend (React) and backend (Kotlin) technologies. You'll be working in a distributed team environment using modern tools like AWS, Kafka, Spring Boot, Next.js, and Kubernetes. The position requires strong technical skills combined with excellent communication abilities to collaborate effectively with cross-functional partners.

Key responsibilities include:

• Building and maintaining production code across the full stack
• Proactively improving the team's codebase and product
• Contributing to architectural decisions and technical direction
• Collaborating closely with product and business stakeholders
• Participating in code reviews and technical discussions
• Helping drive quality improvements within the team

The ideal candidate will have 4+ years of professional experience, strong proficiency in Kotlin/Java/C#, hands-on experience with React and SQL databases. You should be comfortable challenging authority, thinking like an owner, and working in a distributed team environment with regular video collaboration.

This is a digital-first role with the flexibility to work remotely across the US or from one of Upstart's offices in San Mateo, Columbus, or Austin. The role includes quarterly in-person collaboration sessions (~3 days) with travel expenses covered by the company.

Join a mission-driven company that's using technology and AI to revolutionize lending while making a meaningful impact on millions of Americans' financial lives.