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.

You'll work closely with cross-functional partners, working across the whole stack. You're a self-starter that's able to leverage tools in your toolbelt to pave your own path forward to progress and deliver work with quality, testability, resiliency, and maintainability in mind.

The tech stack includes AWS, Kafka, Spring Boot, Kubernetes, and Kotlin. You'll be expected to proactively search out ways to make an impact, turn feature-specific tasks into opportunities to up-level the team's codebase and product, know the product intimately enough to propose changes to requirements, and contribute to quality improvements.

As a digital-first company, most Upstarters live and work anywhere in the United States, with offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. The team has regular onsite collaboration sessions occurring roughly once per quarter (~3 days at a time) in one of the main offices, with travel expenses covered by Upstart.

The role offers competitive compensation including base + bonus & equity, comprehensive benefits including medical/dental/vision coverage, 401(k) with company match, ESPP, generous PTO, and various other perks. Join us in our mission of enabling access to effortless credit based on true risk while working with a high-empathy team that succeeds together.