[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. The Software Engineer on the PL Applicant Experience team will design and build borrower-facing flows, reduce operational touchpoints, and enhance the borrower journey through collaboration with cross-functional teams. 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• 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 officesCompany 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 isCompany H1B Sponsorship• Upstart has a track record of offering H1B sponsorships, with 48 in 2025, 70 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