Software Engineer, Consumer Platform

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!

Consumer Platform’s mission is to ensure consumers are treated as individuals beyond their transactions. We build the foundation that powers personalized experiences across Upstart’s products—helping us understand and support our consumers as individuals. Engineers on this team think long‑term, prioritize strategic clarity, and are deeply invested in data accuracy and freshness. As a core product platform team we also partner cross‑functionally with product and engineering teams to create scalable systems that ensure a seamless consumer experience.

As a Software Engineer on the Consumer Platform team, you’ll be at the heart of our efforts to build a scalable, multi‑product platform that deepens our relationship with users. In addition to utilizing our current technology stack (AWS, Kafka, Ruby, Kotlin, React, Next.js), your contributions will extend in the following impactful ways:

• Designing and developing resilient services that serve internal product teams and directly impact the consumer experience.
• Taking initiative beyond assigned Jira tasks, proactively identifying opportunities to elevate product and code quality.
• Helping to shape up the technical direction and improve engineering excellence by proposing and leading impactful initiatives.
• Using your fullstack skills to create maintainable solutions, working across backend systems (Kotlin, Ruby) and frontend frameworks (React, Next.js).
• Collaborating closely with cross‑functional teams and internal stakeholders, communicating technical ideas clearly and effectively.

• Bachelor’s degree in Computer Science, Engineering, or related field.
• 4–6 years of professional software engineering experience, ideally in fullstack development.
• 4+ years of hands‑on experience with Kotlin, Java, or Ruby (Upstart uses Kotlin and Ruby on the backend).
• Experience with modern JavaScript frameworks such as React.
• Familiarity with SQL databases and domain modeling.
• Strong communication skills and ability to represent technical work in cross‑functional settings.

• Experience designing APIs and working with microservices.
• Experience building reusable frontend components leveraged by different teams.
• Proven track record of making strategic contributions beyond individual features or projects, and a passion for improving team performance in code quality and system reliability.
• Interest in or experience with product platform engineering or serving internal product teams.
• Demonstrate strong end‑to‑end ownership for driving initiatives right from ideation to delivery and beyond—rather than simply executing on instructions.

This role is available in the following locations:
Remote, San Mateo, Columbus, Austin.

This team operates across all U.S. time zones.

This team has regular on‑site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
• 401(k) with 100% company…