Software Engineer, PL Applicant Experience

Upstart

full-time

Posted on: 10/2/2025

Location Type: Remote

Location: Remote • 🇺🇸 United States

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💰 $142,000 - $196,000 per year

Mid-LevelSenior

AWSKotlinPostgresReactRubyRuby on RailsSpringSpring BootSpringBootTypeScript

About the role

Build and own borrower-facing verification flows end-to-end across frontend and backend.
Minimize fraud losses to Upstart through better data and ML models.
Drive automation to reduce manual reviews, strengthen fraud defenses, and improve borrower satisfaction.
Improve UI experience for operations teams and applicants.
Collaborate with ML and data teams to enable dynamic repricing, risk insights, and continuous decisioning.
Design scalable services in a distributed service architecture.

4+ years of experience developing full-stack web applications professionally.
Proficiency in Kotlin or Ruby on Rails, plus familiarity with at least one additional programming language.
Experience with React, TypeScript, Spring Boot, PostgreSQL, Databricks, AWS, or event-driven architecture.
Solid grasp of software development principles and best practices for building scalable, maintainable systems.
Proven ability to analyze and solve complex technical problems effectively.

Benefits

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

Tip: use these terms in your resume and cover letter to boost ATS matches.

KotlinRuby on RailsReactTypeScriptSpring BootPostgreSQLDatabricksAWSevent-driven architecturesoftware development principles

problem solvingcollaborationautomationuser experience improvementdata analysis