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 collaborate with data scientists.
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.