Software Engineer, Delivery

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!

Upstart’s Offer Delivery Team is focused on driving growth by deepening relationships with our existing customers. Our vision is to give users continuous access to credit and keep them engaged with relevant, timely offers that enhance their financial journey throughout their experience with Upstart.

As a Software Engineer at Upstart, you will play a role in shaping how we drive growth and engagement through intelligent targeting, seamless offer presentation, and strategic product recommendations. You’ll be responsible for enhancing our logged in user dashboard, optimizing out-of-funnel cross-sell strategies, and advancing our efforts by improving data collection, pricing orchestration, and personalized offer experiences. Your work will directly contribute to increasing customer lifetime value and helping more people access the right financial products at the right time.

• Design and implement features that support intelligent, personalized offer recommendations to our user base
• Work with Product Managers, Product Designers, Research Scientists, and Marketing Managers to design and deliver high-quality products
• Leverage experimentation and data-driven insights to refine growth strategies, optimizing engagement and conversion through continuous testing, iteration, and personalization.
• Promote a culture of technical excellence focused on providing high quality solutions and incrementally enhance systems with each pull request.

• Bachelor's degree in Computer Science, Engineering, or a related field
• 5+ years of experience in software development with the ability to operate in a full stack capacity
• Experience in product oriented teams with quantifiable customer impact
• Experience designing, developing, and deploying scalable microservices-based applications

• Master’s degree in Computer Science, Engineering, or a related field
• Experience with growth engineering product stacks (Optimizations, Experimentation, Personalization, Recommendation Systems, etc)
• Experience with Ruby on Rails, Kotlin, or React

This role is available in the following locations:
Remote

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.

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
• 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Generous holiday, vacation, sick and safety leave
• Supportive parental, family care, and military leave programs
• Annual wellness, technology & ergonomic reimbursement programs
• 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…