Upstart's Verifications – PL Applicant Experience team is focused on modernizing the borrower journey end-to-end. The team reduces friction, automates verifications, and enables dynamic decisioning while ensuring fraud prevention and credit risk mitigation.
Requirements
- 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.
- Experience with React, TypeScript, Spring Boot, PostgreSQL, Databricks, AWS, or event-driven architecture.
- Knowledge of KYC/verification vendors (Socure, Plaid, OCR) and integrating sensitive data services.
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
Other
- 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.
- Regular onsite collaboration sessions occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, Austin, or San Mateo).
- 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.com
