[Remote] Software Engineer, PL Applicant Experience

Note: The job is a remote job and is open to candidates in USA. Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As a Software Engineer on the PL Applicant Experience team, you will design and build borrower-facing flows that improve conversion, reduce operational touchpoints, and scale verifications across Upstart products. Responsibilities • 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 Skills • 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 • Knowledge of KYC/verification vendors (Socure, Plaid, OCR) and integrating sensitive data services • Strong sense of ownership and accountability for delivering high-quality features on time • Ability to thrive in both independent and collaborative settings, contributing positively to team dynamics • Demonstrated ability to take and incorporate feedback, with a continuous improvement mindset Benefits • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year • 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 Company Overview • Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is Company H1B Sponsorship • Upstart has a track record of offering H1B sponsorships, with 68 in 2025, 67 in 2024, 85 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role. Apply tot his job