Our mission is to enable effortless credit based on true risk.

Founded 2012
1501-5000 employees
  • Banking, Corporate Finance, & Investing
  • Analytics & Business Information
  • Headquarters address
    2950 S Delaware St, San Mateo, CA 94403
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    Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's 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 two-thirds of Upstart loans are approved instantly and are fully automated.

    Upstart is a digital-first company, which means that most Upstarters can live and work anywhere in the U.S. We also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.

    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, we’d love to hear from you!

    Tech stack

    Python, Postgres, AWS, Ruby on Rails, React, Kubernetes, Docker, Machine Learning, Artificial Intelligence, SQL, Kotlin, Looker, Datadog, Redshift, TypeScript, Flask, API, Spring, REST, REST API, gRPC, Databricks, Spark, Kafka, Metaflow, MLflow, S3, ArgoCD, New Relic Query Language (NRQL), CloudWatch, Helm, Terraform, CDK, AWS Cloud Formation, SageMaker, Lakehouse, Snowflake, Scala, Data Mesh, Flink


    Compensation and retirement

    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.
    Performance bonus
    RSUs (Restricted Stock Units or Awards)
    ESPP (Employee Stock Purchase Plan)
    401k plan
    401k matching
    Cell phone reimbursement

    Health and wellness

    Insurance (Health)
    Insurance (Dental)
    Insurance (Vision)
    Insurance (Life)
    Insurance (Disability)
    FSA (Flexible Spending Plan)
    EAP (Employee Assistance Program)
    Fitness reimbursement
    Mental health benefits

    Vacation and time off

    Paid time off
    Unlimited time off
    Paid holidays
    Flexible working hours
    Work from home flexibility
    Maternity benefits
    Paternity benefits

    Personal development

    Management training
    Internship program
    Mentorship opportunities
    Career growth

    Values and quality of life

    Diversity program
    Accessible via public transportation
    Employee groups and committees
    Snacks and beverages
    Catered meals
    Company activities
    Employee discount programs
    Remote first
    Social impact
    Upstart - Upstart San Mateo