Upstart

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. The company's proprietary underwriting model identifies high-quality borrowers despite limited credit and employment history by using variables including schools attended, area of study, and work experience. Upstart offers 3-year and 5-year fixed-rate interest loans, which are primarily used to pay off credit cards, consolidate debt, make large purchases, or invest in vocational education.

In addition to its direct-to-consumer lending platform, Upstart provides technology to banks, credit unions and other partners via a “Software-as-a-Service” offering called Powered by Upstart.

Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Do you love writing Javascript and engineering elegant user experiences? As a  frontend engineer  at Upstart, you'll be responsible for crafting the user's experience on our financial platform, making architectural decisions on the frontend, and determining the overall aesthetic of our site. Requirements:    5+ years of frontend or full-stack development Strong JavaScript skills Experience with frontend JS frameworks and libraries, like Angular and React/Redux Ability to write and maintain clean, modular JS code Knowledge of best UX practices
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
We’re looking for curious and humble team members driven by a desire to move quickly, build robust systems, and improve people’s lives. 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. Our 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. Do you want to learn a new language or a new skill? There's a squad here to learn from. You'll also get the chance to solve challenges with interesting engineering constraints, work in a distributed system, and...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart is looking for a detail-oriented  Data Security Engineer  who will work at the cutting edge of encryption and data security to ensure that our data is secure and compliant. You will work collaboratively with our engineering and data science teams to protect the security of our product and infrastructure. You will also build and install tools that identify and classify our data. Reporting directly to the Head of Information Security, you will help execute on PCI compliance-related tasks and projects. If you are excited about using the latest tools to manage data exposure risk for one of the most innovative data science models in the fintech industry, this may be the right opportunity for you! Here’s more about what you’ll be doing: Take ownership of building, managing and monitoring Upstart’s encryption service, adequate access service, and data security controls for external auditors Working closely with engineering and data science...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Join Upstart as our  Information Security Architect , where you will bring security controls into our cloud infrastructure. Reporting to the Head of information Security, you will set up security incident and event management within Upstart. You’ll play a key role in ensuring security controls through design and architecture in our infrastructure, creating protocols for how we restrict access and data to specific users, and identifying and rectifying cases in which our infrastructure and data processing applications/databases isn’t secure or secure enough. You will also be a thought leader and represent Upstart at security conferences and events. As one of the first members of this team, you will also have an opportunity for growth into management. Here is more about what you’ll be doing: Managing security compliance in all infrastructure-related projects including mapping Technology compliance into our infrastructure Partnering with engineering...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart is looking for a collaborative  Engineering Manager  who will directly manage key engineering projects and develop a team of high performing software engineers. Reporting directly to the CTO, you will have a large influence on the direction of our architecture, structure, processes and values of the Engineering community. You will have a great deal of responsibility in managing projects such as helping us move to microservices, transitioning from Heroku to AWS, and adopting software patterns like event sourcing. You will also manage other engineers, including senior engineers, to help us continue to deliver a superior experience for our borrowers. If you are looking for the opportunity to join a hyper-growth company, develop a high performing team and make an outsized, lasting impact on an organization, this may be the right opportunity for you! Here’s more about what you’ll be doing: Serving as architect and project manager on major...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart is a fast-growing and profitable company revolutionizing how people access credit. We use data science and automation to make smarter lending decisions and help borrowers access credit easier and faster. Join our engineering community as a  Data Engineer , and help Upstart build infrastructure to move and analyze large volumes of data. Our success depends on our ability to efficiently make sense of data, and as a Data Engineer at Upstart, you'll be responsible for architecting systems to move, store, transform, and analyze large amounts of data, including financial and business data. You'll have an outsized impact on the productivity of the entire engineering and data science team and directly contribute to Upstart's core competitive advantage. Here is more about what you’ll be doing: Build data pipelines that collect, connect, centralize, and curate data from various internal and external data sources Manage and extend a reliable, effective, and...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart grew 4x this past year and we plan to do it again. In order to do so, we need a self-motivated Talent Acquisition Coordinator that can help recruit the best talent while making the process smooth and enjoyable for both our candidates and hiring team.  As a Talent Acquisition Coordinator in our People team, you’ll use your super organizational skills in all aspects of recruiting from scheduling interviews, meeting with candidates, and implementing sourcing strategies to keep the pipeline moving quickly. You’ll also get the opportunity to get involved in recruiting events and our onboarding process ensuring our employees have the tools and resources they need to succeed. Since we plan to grow tremendously in the upcoming years, this is a phenomenal opportunity to roll up your sleeves into the people function and grow into either a Talent Operations role or a Recruiter role in the future.   Here’s more about what you’ll be doing: Be...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart is frequently rated the #1 online lending platform by its customers. This is only possible by having the most passionate and dedicated Loan Servicing Specialists that know how to be fast problem solvers and have a strong empathy for our customers’ needs. As a Loan Servicing Specialist, you will be taking care of our customers in regards to their payments and performing research. One of our values is to be smart and know that we might be wrong and what that means to you is we expect that even though our customers are happy, we expect that you will offer ideas and be an active team participant to improve Upstart’s servicing process to exceed industry recovery performance. We’re looking for someone that is genuinely interested in helping our customers improve their financial situation. Our team needs someone that is highly organized, loves keeping meticulous and informative records, has a “detective” mindset, and a curious nature....
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart strives to deliver an excellent customer experience while helping borrowers achieve their financial fitness goals. As the face of Upstart, Customer Experience Associates guide borrowers through the application process over the phone, chat and email. You work alongside an intelligent and motivated team and are exposed to all aspects of FinTech operations in a high-growth startup environment. Here’s more about what you’ll be doing: Deliver an outstanding borrower experience by guiding borrowers through the application process through inbound and outbound phone, chat, and email support Identify and implement creative process improvements to continue to reinvent the customer experience for our borrowers Other projects as assigned Requirements: BA / BS degree with a strong academic record 1+ years of experience in customer service, phone support, loan underwriting or similar Passion for delivering a great customer experience...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart is looking for credit analysts to provide an exceptional borrower experience throughout the application process. This person will be responsible for gathering and analyzing educational and financial data to verify the creditworthiness of the borrower. Credit analysts work alongside an intelligent and motivated team and are exposed to all aspects of FinTech operations in a high-growth startup environment. Here’s more about what you’ll be doing: Work with potential borrowers and review applications to verify elements of each loan application, such as employment, income, identity, and tax documents in a timely and efficient manner Identify and implement process improvements in the borrower application process Build trust and cultivate borrower, investor, and colleague relationships Other projects as assigned Requirements: BA / BS degree in Business Administration, Finance, or similar 1+ years of experience in customer service,...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart is frequently rated the #1 online lending platform by its customers. This is only possible by having the most passionate and dedicated Loan Servicing Specialists that know how to be fast problem solvers and have a strong empathy for our customers’ needs. As a Loan Servicing Specialist, you will be taking care of our customers in regards to their payments and performing research. One of our values is to be smart and know that we might be wrong and what that means to you is we expect that even though our customers are happy, we expect that you will offer ideas and be an active team participant to improve Upstart’s servicing process to exceed industry recovery performance. We’re looking for someone that is genuinely interested in helping our customers improve their financial situation. Our team needs someone that is highly organized, loves keeping meticulous and informative records, has a “detective” mindset, and a curious nature....
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart strives to deliver an excellent customer experience while helping borrowers achieve their financial fitness goals. As the face of Upstart, Customer Experience Associates guide borrowers through the application process over the phone, chat and email. You work alongside an intelligent and motivated team and are exposed to all aspects of FinTech operations in a high-growth startup environment. Here’s more about what you’ll be doing: Deliver an outstanding borrower experience by guiding borrowers through the application process through inbound and outbound phone, chat, and email support Identify and implement creative process improvements to continue to reinvent the customer experience for our borrowers Other projects as assigned Requirements: BA / BS degree with a strong academic record 1+ years of experience in customer service, phone support, loan underwriting or similar Passion for delivering a great customer experience...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart is looking for credit analysts to provide an exceptional borrower experience throughout the application process. This person will be responsible for gathering and analyzing educational and financial data to verify the creditworthiness of the borrower. Credit analysts work alongside an intelligent and motivated team and are exposed to all aspects of FinTech operations in a high-growth startup environment. Here’s more about what you’ll be doing: Work with potential borrowers and review applications to verify elements of each loan application, such as employment, income, identity, and tax documents in a timely and efficient manner Identify and implement process improvements in the borrower application process Build trust and cultivate borrower, investor, and colleague relationships Other projects as assigned Requirements: BA / BS degree in Business Administration, Finance, or similar 1+ years of experience in customer service,...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
As the  product marketing manager , you will work closely with Upstart’s Growth and Business Development teams to own and execute a strategy for bringing new banks and credit unions on to the PBU platform. You will oversee a wide range of marketing activities, from managing events with banking executives to building sales collateral and optimizing lead generation campaigns. Here’s more about what you’ll be doing: Work directly with CEO, CFO, Head of Growth, Head of Business Development, and Upstart co-founders to set and implement Upstart’s bank partner acquisition strategy Set annual, quarterly, and monthly targets and project roadmaps Manage all client acquisition activities for our platform business Build out lead generation campaigns including direct customer outreach and advertising Help refine our product positioning and messaging Develop our conference approach and manage conference sponsorships Develop customer...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
As the  Head of Email Marketing , you will oversee a valuable acquisition channel for a fast-growing company and be one of the first to think deeply about Upstart’s engagement and retention strategy. Your work will be highly visible across the company, impacting not just Upstart’s core consumer-facing business, but also its SaaS suite. Here’s more about what you’ll be doing: Design user segments and implement automated, customized email journeys for both the B2C and B2B businesses Set the email strategy and testing roadmap by staying abreast of new developments in email and other channels Manage multiple projects across growth, engineering, product, legal, and data science teams Analyze email performance and communicate progress effectively to CEO, CFO, Head of Growth, co-founders, and other stakeholders Collaborate with other Growth team channel owners to build a cohesive user communication program Requirements: 8+...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart is looking for a  Graphic Design Lead  to boldly challenge the status quo of marketing and product design in Fintech. We're looking for someone who can push the boundaries of two-dimensional advertising strategies to design a deeply immersive experience. As an early member to our internal creative team, you will have a significant impact on Upstart’s brand and visual identity. Here’s more about what you’ll be doing: Build entire visual campaigns from start to finish and implement across all acquisition channels (impacting millions of people each month across digital and physical platforms) Develop longer-term creative strategy for Upstart’s marketing communications Build an extensive repertoire of creative assets for Facebook, Instagram, Email, etc Push the boundaries of advertising and what it means for a company to express itself visually Help shape the internal design process Incorporate UI/UX best practices in...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart is a fast growing fin-tech company looking for an  Attorney  to jump into a lean and nimble team and handle a broad range of commercial legal matters across the entire organization. Since we operate in a regulated space, you will gain breadth and depth of experience into a wide array of complex legal matters including consumer protection, privacy and data protection, IP, and tax. This position is unique because it offers the opportunity to get exposed to issues that have never existed before and work on diverse tasks such as contract drafting and negotiation, escalated customer situations, and a number of projects that will arise as we continue to scale. If you have the confidence, creativity, and flexibility to tackle ambiguity and craft innovative legal arrangements with a bias towards action, this could be the right opportunity for you. Requirements: J.D. degree with solid academic credentials and a state bar membership (CA or NY preferred) 2+...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Upstart is looking for an attorney with  capital markets  experience to join our growing legal team as a Legal Counsel. This role will give you the chance to work across the entire Upstart business while being focused on our capital market products. You will get involved in negotiating transaction documents, assisting with corporate finance transactions and general corporate transactions. Your responsibilities will include: drafting, review and negotiation of all transaction documents related to loan sales, securitizations, warehouse facilities and platform investments; assistance with corporate financing transactions and corporate housekeeping matters; and special projects, as needed. As a fin-tech company operating in a heavily regulated space (but also with many “gray” or unsettled areas!), with financial institutions and individual investors and consumers as our customers. You will be required to consider a wide array of complex and often novel legal...
Upstart San Carlos, CA, USA
Jul 17, 2018
Full time
Our compliance team plays a critical role in mitigating risk and protecting Upstart’s growth and success, and as Upstart’s  Compliance Manager , you will have tremendous impact on this critical team. Someone that is successful in this role won’t say “no”:, but say “No, BUT” by re-defining policies and improving practices. You’ll develop relationships of trust within the organization so that your role is a value add for the business unit. You’ll be a part of the conversation when new products or processes are developed versus getting involved after the fact. If you have previous compliance management experience and share our passion for consumer protection this could be the role for you. Here is what you’ll be doing: Provide subject matter expertise to the product, growth and operations teams with respect to compliance policies, procedures and issue resolution. Maintain, review, and operationalize...