<div>About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts 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!</div>The Team: Upstart’s Onboarding Experience  team is dedicated to creating a seamless loan application process that allows customers to quickly and easily complete all steps required to fund their loan. By building exceptional, customer-centric experiences for both Upstart borrowers and internal Operations teams, this team plays a crucial role in making Upstart the premier destination for consumer credit. This team focuses on our flagship product, Personal Loans, and directly impacts our growth in this business by reducing friction for applicants and improving the efficiency of our operations.   As a Senior Software Engineer at Upstart on the Onboarding Experience team, you will  work across the whole stack, partnering with Engineering, Product, Operations and other internal teams on both existing and greenfield projects. You’ll deliver work with a focus on quality, testability, resiliency, extensibility, and maintainability while always keeping our end users in mind.    How you’ll make an impact <ul> <li>Work within all areas of the platform or product, from our web interfaces and 3rd party API integrations, to backend business logic</li> <li>Move quickly to drive existing and greenfield projects forward, while always keeping our end users in mind</li> <li>Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base</li> <li>Help us build our engineering team, and make Upstart a genuinely awesome place to work</li> <li>Communicate closely with cross-functional partners, keeping all stakeholders informed  </li> </ul> Minimum Qualifications  <ul> <li>7+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying high standards for user-experience, and a product-first mindset</li> <li>Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders</li> <li>Exhibit a growth mindset - you’re comfortable with the uncomfortable, and are not afraid to pick up new technologies that are best for the task, and seek out opportunities to learn from others </li> <li>Excellent written and verbal communication skills, able to explain complex technical topics to non-technical stakeholders</li> <li>Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback </li> </ul> Preferred Qualifications <ul> <li>Experience with full stack web development with Ruby on Rails,  React, and cloud-native development (AWS preferred) and Docker, GitHub Actions, utilizing CI/CD technologies including infrastructure as code</li> <li>Experience integrating and working with AI/ML models and understanding their capabilities, particularly for financial use cases</li> <li>Experience in the customer support tech domain (e.g., contact center platforms, customer engagement solutions, or conversational AI systems)</li> <li>You thrive in environments where you are expected to think like an owner and make decisions like one</li> <li>Passion for improving user experience through best practices and metrics-driven development</li> <li>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</li> </ul> Position location This role is available in the following locations: Remote, San Mateo, Columbus, Austin. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What youll love:  <ul> <li>Competitive Compensation (base + bonus &amp; equity)</li> <li>Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart </li> <li>401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings</li> <li>Employee Stock Purchase Plan (ESPP)</li> <li>Life and disability insurance</li> <li>Generous holiday, vacation, sick and safety leave  </li> <li>Supportive parental, family care, and military leave programs</li> <li>Annual wellness, technology &amp; ergonomic reimbursement programs</li> <li>Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering</li> <li>Catered lunches + snacks &amp; drinks when working in offices</li> </ul> #LI-REMOTE #LI-MidSenior <div></div><div><div><div>At Upstart, your base pay is one part of your total compensation package.  The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</div><div>United States | Remote - Anticipated Base Salary Range</div><div>$163,600—$226,400 USD</div></div></div><div>Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.  If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email <a href="mailto:candidate_accommodations@upstart.com">candidate_accommodations@upstart.com</a> <a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></div>