Company Name: Upstart

Job Details: Easy,Apply,Hiring,Remotely,in,United,States,Remote,142K-197K,Annually,Senior,level

Job Url: https://builtin.com/job/software-engineer-offer-delivery/7903436

Job Description: About UpstartAt Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team: Upstart’s 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. You’ll 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 you’ll 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 Qualifications Bachelor's 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 QualificationsMaster’s 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.#LI-REMOTE#LI-Associate At 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 location–with 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$142,000—$196,600 USDWhat you'll loveAt Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterlyGenerous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per yearEmployee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employeesAffordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you chooseHealth Savings Account contributions from Upstart for eligible plansIncome protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coveragePaid time off, sick and safe time, and company holidays Paid family and parental leave to support caregiving and major life momentsFamily-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregivingEmployee Assistance Program (EAP) offering mental health support and life-centered resourcesFinancial wellness resources, including access to financial planning tools and a financial concierge serviceAnnual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to youAnnual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work fromConnection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.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 candidate_accommodations@upstart.comhttps://www.upstart.com/candidate_privacy_policy