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 team uses modern technologies including 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, know the product intimately enough to propose requirement changes, and contribute to quality improvements.

As a digital-first company, most work can be accomplished remotely, but the team has regular onsite collaboration sessions quarterly (~3 days) in main offices (Columbus, Austin, or San Mateo). The company offers competitive compensation, comprehensive benefits, and a collaborative culture focused on making a meaningful impact in expanding access to credit.

Join us if you're passionate about using technology to make financial services more accessible and want to work in a high-empathy team environment where success is measured collectively rather than individually.