Software Engineer

Upstart - San Carlos, CA3.7


About the Role:

Upstart is a fast-growing and profitable fin-tech company revolutionizing how people access credit. We use data science and automation to make smarter lending decisions.... And we need amazing Software Engineers that are driven to move quickly and build robust systems o make that happen.

Our engineers work on all aspects of the Upstart platform, from our data prediction model to our backend financial platform, to our web interfaces and 3rd party API integrations. You'll enjoy significant autonomy in architecting systems, writing algorithms, and crafting elegant user interfaces. Upstart engineers appreciate that a job at Upstart means they have the chance to solve challenges with interesting engineering constraints, work in a distributed system, and collaborate with data scientists.

Our engineering team is broken into product-oriented squads, giving engineers direct access to the end-user and the ability to launch features without being blocked. We’ve also designed the squad system to enable constant learning: engineers have the chance to rotate squads every 6 months to learn new parts of the codebase and business.

About what we're looking for:

  • 2+ years of full-stack web development (We have Senior Software Engineer roles open as well, so please apply still if you are looking for a senior role).
  • Experience with event-driven and event-sourced systems
  • Experience with web frameworks (Ruby on Rails preferred) and JavaScript / JS framework (React preferred)
  • Experience with SQL databases and domain modeling
  • Analytical and problem solving skills
  • Self-motivated and enjoys collaborating with a team

About Us:

Founded by ex-Googlers, Upstart is the first lending platform to leverage artificial intelligence and machine learning to price credit and automate the borrowing process. Upstart goes beyond the FICO score to finance people based on signals of their potential, including employment and academic history. After more than $2B in originations, Upstart’s loss rates are less than half those of industry peers and more than half of Upstart loans are completely automated. Based in San Carlos, CA, Upstart is backed by Third Point Ventures, Khosla Ventures, First Round Capital, GV, Eric Schmidt, and Mark Cuban.

Perks and Benefits:

  • Unlimited vacation days. You can take time off when you need it.
  • Dog friendly. Bring your furry friends to work. Our Pupstart dogs are a part of our family. Dogs at the office.
  • Affinity Group and Company events. Women’s groups, book clubs, rugby teams, basketball teams, Spartan race teams, badminton teams, and so much more! We also have weekly company meetings to encourage transparency.
  • Fully-stocked micro kitchen. We have food for breakfast, lunch, and snacks. You’ll never go hungry.
  • Technology reimbursement. You’ll have a budget to get whatever equipment you think you need to be productive.
  • Uber4 Business. Our office is located between San Carlos and Redwood City trains and our Uber4Business account will help you get to or from these stations with no expense to you.
  • Personal development budget. We’ll give you a budget to spend towards promoting your career or health. In addition, we give additional money to our teams to encourage learning and development.
  • Monthly stipend for cell phone

Job Type: Full-time


  • Software Development: 2 years (Preferred)


  • San Carlos, CA 94070 (Preferred)