About Upstart
Upstart is a 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 two-thirds of Upstart loans are approved instantly and are fully automated.
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 API Enablement team builds and maintains the communication fabric that connects building blocks (aka services) within Upstart and from outside of Upstart in a simple and secure way. Our team’s primary objective is to develop explicit interfaces between all facets of our systems and provide secure access to high quality data allowing product teams to move faster and more securely. Speed, data quality, ease of use, observability, and Security are our guiding principles.
As a Senior Software Engineer on Upstart’s API Enablement team, you are empowered to design and implement robust API solutions via gRPC framework and API Gateway. You will also lead and implement Event Bus, an ecosystem of tools, services, and libraries, that facilitates organizational access to high quality data. We are a small and high impacting team contributing to Upstart’s North Star Architecture and need a product-oriented engineer who is excited to contribute across event bus and API solutions.
Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin
Time Zone Requirements - This team operates on the East/West Coast time zones.
Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. This team also has regular onsite collaboration sessions. These occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, OH, Austin, TX or San Mateo, CA). If you need to travel to make these meetups, Upstart will cover all travel related expenses.
How you’ll make an impact:
- Lead the design and development of scalability solutions using gRPC and API Gateway
- Implementing API Management strategy for all of upstart
- Collaborate with cross-functional teams to understand requirements and bring those insights into building an impactful roadmap for the team
- Establish best practices for API development and event bus across upstart
- Mentor junior engineers and promote a culture of technical excellence
- Contribute to quality improvements within our team in a meaningful way
What we’re looking for:
- Minimum requirements:
- Bachelor’s or Master’s degree in Computer Science or related field
- 5+ years of professional experience in building robust API solutions
- Strong communication skills and ability to collaborate effectively with cross-functional teams
- Strong proficiency in one or more programming languages
- Proficiency in automated testing patterns
- Experience in building highly observable systems
- Preferred qualifications:
- Experience with Kotlin, Python, Ruby, or Typescript
- Experience with Kafka
- Strong sense of ownership and accountability for the quality and timely delivery of work
- Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamic
What you'll love:
- 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 volunteering
- Catered lunches + snacks & drinks when working in offices
#LI-REMOTE
#LI-MidSenior
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).
United States | Remote - Anticipated Base Salary Range
$160,400—$222,000 USD
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
Top Skills
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans.
If you are energized by the impact you think you could make at Upstart, we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced, and we encourage ownership at all levels of the organization. As a result, culture at Upstart is driven by Upstarters. Upstarters are proactive, talented, multi-dimensional and collaborative.
Gallery
Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo, California; Columbus, Ohio; and Austin, Texas.
