Software Engineer, Offer Delivery at Upstart

About UpstartUpstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts AI marketplace Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races ages and genders while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload.Upstart is a digital-first company which means that most Upstarters live and work anywhere in the United States. However we also have offices in San Mateo California; Columbus Ohio; Austin Texas; and New York City NY (opening Summer 2026).Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart wed love to hear from you!The Team:Upstarts Offer Delivery Team is focused on driving growth by deepening relationships with our existing customers. Our vision is to give users continuous access to credit and keep them engaged with relevant timely offers that enhance their financial journey throughout their experience with Upstart.As a Software Engineer at Upstart you will play a role in shaping how we drive growth and engagement through intelligent targeting seamless offer presentation and strategic product recommendations. Youll be responsible for enhancing our logged in user dashboard optimizing out-of-funnel cross-sell strategies and advancing our efforts by improving data collection pricing orchestration and personalized offer experiences. Your work will directly contribute to increasing customer lifetime value and helping more people access the right financial products at the right time.How youll make an impactDesign and implement features that support intelligent personalized offer recommendations to our user baseWork with Product Managers Product Designers Research Scientists and Marketing Managers to design and deliver high-quality productsLeverage experimentation and data-driven insights to refine growth strategies optimizing engagement and conversion through continuous testing iteration and personalization.Promote a culture of technical excellence focused on providing high quality solutions and incrementally enhance systems with each pull request..Minimum QualificationsBachelors degree in Computer Science Engineering or a related field5 years of experience in software development with the ability to operate in a full stack capacityExperience in product oriented teams with quantifiable customer impactExperience designing developing and deploying scalable microservices-based applicationsPreferred QualificationsMasters degree in Computer Science Engineering or a related fieldExperience with growth engineering product stacks (Optimizations Experimentation Personalization Recommendation Systems etc)Experience with Ruby on Rails Kotlin or ReactPosition location This role is available in the following locations: RemoteTravel 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 onsites. 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.What youll love:Competitive Compensation (base bonus & equity)Comprehensive medical dental and vision coverage with Health Savings Account contributions from Upstart401(k) with 100% company match up to $4500 and immediate vesting and after-tax savingsEmployee Stock Purchase Plan (ESPP)Life and disability insuranceGenerous holiday vacation sick and safety leaveSupportive parental family care and military leave programsAnnual wellness technology & ergonomic reimbursement programsSocial activities including team events and onsites all-company updates employee resource groups (ERGs) and other interest groups such as book clubs fitness investing and volunteeringCatered lunches snacks & drinks when working in offices#LI-REMOTE#LI-AssociateAt Upstart your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic locationwith our digital first philosophy Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills experience and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.In addition Upstart provides employees with target bonuses equity compensation and generous benefits packages (including medical dental vision and 401k).United States Remote - Anticipated Base Salary Range$142000$196600 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures backgrounds perspectives and experiences and know that we can only become better together.If you require reasonable accommodation in completing an application interviewing completing any pre-employment testing or otherwise participating in the employee selection process please email Key Skills Digital Marketing,Graduate Engineering,ASP.NET,ABAP,Client Services,ERP Employment Type : Full Time Experience: years Vacancy: 1