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. Millions of homeowners are locked into long-term low-interest mortgages and looking for a way to access their equity. By securing a loan against their house, we can lend them fast, affordable credit for remodels, big purchases, or paying off debt.

The team seeks individuals who think at the fringes—weird, quirky, out-of-the-box do-ers who reason from first principles. You'll work across the whole stack, leveraging tools like AWS, Kafka, Spring Boot, Kubernetes, and Kotlin. As a digital-first company, most work can be accomplished remotely, with quarterly onsite collaboration sessions.

Key responsibilities include:

• Proactively searching out ways to make an impact beyond the Jira board
• Turning feature-specific tasks into opportunities to up-level the team's codebase and product
• Knowing the product intimately enough to propose requirement changes when needed
• Contributing meaningfully to quality improvements
• Proposing and delivering new ideas that achieve meaningful improvements to team metrics

The role offers competitive compensation ($142,000—$196,600 USD), comprehensive benefits including medical/dental/vision coverage, 401(k) matching, equity compensation, and more. Join us in our mission to enable access to effortless credit based on true risk.