Software Engineer, Auto Refi

About Upstart 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. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we'd love to hear from you! The Team: Upstart's Auto Refi team is responsible for scaling our auto refinance loan product. Our highly collaborative team is focused on increasing conversion by eliminating friction for our customers while continuously improving the quality of our product. We work iteratively to provide fast feedback loops so that we can apply new learnings quickly. As a Software Engineer on the team, you will work closely with cross-functional partners to execute projects across the whole stack. You're a self-starter who delivers work with quality, testability, resiliency, and maintainability in mind. You may currently specialize on the backend or frontend, but you're looking to get your hands into both areas of the stack. You're eager to learn and grow as an individual and a leader and enjoy helping your team do the same. How you'll make an impact Lead successful projects working collaboratively with engineering team members and cross-functional partners.Make thoughtful architectural decisions to improve the quality of our softwarePropose and deliver new ideas that achieve meaningful improvements to our team's metricsCollaborate with stakeholders to find solutions to our most challenging problems Minimum Qualifications 4+ years of professional full stack software development experience. We primarily use Kotlin (Spring), Ruby (Rails), and TypeScript (React) but are open to experience with different stacks. 2+ years of professional experience with SQL databases and domain modeling Some experience with a front-end framework like React Preferred Qualifications Excellent written and verbal communication. As an engineer, a big part of your job will be representing your projects in cross-functional conversations, and you'll need to tailor your communication style to fit these different audiences' needs.Ability to execute independently and deliver projects of varying complexity and sizes with minimal direction.Comfortable challenging authority. We want engineers who can push back on their managers when they think we're going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one.Preference for face-time and synchronous collaboration. We're a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You'll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role.

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. More than 80% of borrowers are approved instantly, with zero documentation to upload.