Software Engineer II, Verifications

The Team

Upstart’s Verifications team is in charge of building core system capabilities as a platform that product teams can leverage to provide world class customer experience through an automated approval process.  Upstart has one of the lowest fraud rates in the industry and is currently able to instantly approve over 85% of funded applications.  This means that the majority of applicants can receive their funds in under 24 hours after they apply.  Looking ahead, Verifications needs to extend the success that it has had with its flagship Personal Loans product to other products that are in scaling mode.

As a Software Engineer on the Verifications team, you will be working with other Verifications engineers, Product Managers, Product Teams, and other stakeholders to continually enhance customer experience through automation and while minimizing losses due to fraud.  You will be a key contributor to the Verifications platform and helping product teams scale.  

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.  The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular on-sites.  The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

How you’ll make an impact:

• Reduce latency of page load times to improve customer experience
• Scale the Lending Platform through building common UI components that can be easily used by multiple product teams
• Reduce lead time of manual approvals through revamping the  approval tools and UI used by the Operations team
• Reduce lead time in detecting fraud through building tools for the Fraud Operations team

Minimum Qualifications: 

• 4+ years of experience developing full stack web applications professionally
• Proficiency in either Kotlin, Ruby on Rails, or Python and at least one other programming language
• Solid grasp of software development principles and best practices for creating scalable and maintainable systems
• Proven ability to effectively analyze and solve complex problems

Preferred Qualifications:

• Experience with React, NextJS and Vercel
• Experience with Python ML frameworks/libraries 
• Prior experience or demonstrated enthusiasm for working on internal tools
• 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 dynamics
• Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve

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

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