About the job
About Upstart
At Upstart, our mission is to significantly simplify and reduce the costs associated with borrowing for every American. Through innovation, experimentation, and cutting-edge AI technology, we are transforming access to credit, enabling millions to progress financially with confidence and clarity.
As the foremost AI-driven lending marketplace, we collaborate with banks and credit unions to broaden access to affordable credit. Our platform conducts over one million predictions per borrower, leveraging more than 1,800 data signals to facilitate smarter and fairer decision-making for countless customers. The statistics only scratch the surface of our impact; every idea, voice, and contribution propels us toward a future where credit does not hinder financial advancement.
Being proudly digital-first, most Upstarters enjoy the flexibility to excel in their work from anywhere, connecting with teammates across more than 80 cities in the US and Canada. Digital-first does not equate to distant; we prioritize in-person connections through team gatherings, planning sessions, and creative brainstorming moments. Whether you prefer working remotely or collaborating face-to-face at one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), we provide the support you need to thrive in your preferred work style.
If you are passionate about solving significant challenges, eager to innovate with intention, and driven by work that has a meaningful impact, we want to hear from you.
As a Software Engineer on the Home Lending team, you will play a vital role in developing and expanding Upstart’s latest products: HELOC and Mortgage.
Why Home Loans? Millions of homeowners are stuck with long-term low-interest mortgages and seek ways to tap into their equity. By securing loans against their homes, we can provide quick, affordable credit for renovations, major purchases, or debt consolidation. This represents a significant opportunity in consumer credit, where we can effect substantial change.
Why Us? Many Americans with imperfect credit or challenging income documentation have been overlooked by traditional financial institutions. Our mission centers around serving these individuals. By utilizing machine learning and automation to evaluate creditworthiness, we can deliver a faster, more cost-effective lending experience.
We strive for our team to mirror the diverse communities we serve. To reach customers at the margins, we need individuals who think outside the box—innovators who question the status quo and embrace constructive criticism. We value creativity, collaboration, and a shared commitment to making a difference.