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

Founded 2012
1501-5000 employees
  • Banking, Corporate Finance, & Investing
  • Analytics & Business Information
  • Insurance
  • Headquarters address
    2950 S Delaware St, San Mateo, CA 94403
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    What do we do?

    For most people in America, access to credit is necessary for opportunity and mobility. Unfortunately, the vast majority of people in this country do not have access to affordable credit, and getting credit can be complicated.

    Upstart aims to change that. Our mission is to “enable effortless credit based on true risk,” and we do this by using machine learning and automation to more accurately identify creditworthy borrowers and create a seamless application experience. In doing so, we’re helping people achieve their financial goals and reduce their financial stress by offering affordable personal loans used to pay off high-interest credit card debt and cover large unexpected expenses like medical bills. We have also launched a complimentary SaaS business to partner with banks, called Powered By Upstart (PBU) that further allows us to expand affordable access to loans.

    We're a passionate team of people committed to helping people achieve financial fitness. We're looking for talented, passionate people to help us build a great company and improve millions of lives in the process. If you care about challenging work, great company culture, and meaningful impact, then check us out!

    What else should I know?

    • Founded in 2012 by Dave Girouard (former President of Google Enterprise), Anna Counselman (previously led Consumer Ops for Gmail), and Paul Gu (Thiel Fellow)
    • 1,000+ full-time employees
    • Two offices - San Mateo, CA and Columbus, OH
    • $6.9Bn in loans originated
    • Top-rated personal lender on Credit Karma
    • First lender to receive a “no-action letter” from the Consumer Financial Protection Bureau, attesting that our novel approach is nondiscriminatory and improves fairness in lending

    What are our values?

    Do the right thing even when it’s hard. Our borrowers and institutional clients are our number one focus, and our main priority is to help them accomplish their financial goals. As an Upstarter, you are expected to act with integrity and make decisions that will keep the user in mind.

    Make clever use of numbers. Data and technology are at the core of what we do, and all of our teams use to it make strategic decisions. As an Upstarter, you would make clever use of numbers to deliver the best product for our users.

    Be smart, but know you might be wrong. At Upstart, we respect the opinions of others and are encouraged to let go of ego to pursue the best solution. We aim for rigorous thinking and dialogue to arrive at the best decisions. When we debate, we do so diplomatically and always keep an open mind, acknowledging that we might be wrong.

    Don’t assume it can’t be done. Upstart was born out of a demonstrated need for innovation in the lending industry. Our curiosity leads us to constantly look for new solutions to problems previously thought unsolvable. As an Upstarter, you will find novel ways to improve our product.

    Make every second count. Our CEO, Dave Girouard, published an article called Speed As A Habit, which is an accurate reflection of life here at Upstart. We expect you to move and iterate quickly with a strong sense of urgency to maximize our impact on our borrowers.

    What's our interview process?

    We move fast here at Upstart and our interview process is no different! We interview candidates with various levels of experience and timelines and can work within your timelines. Here’s what you can expect as an Upstart candidate:

    30-minute phone screen with a member of the People team. We want to understand your experience, what you’re looking for in your next role, and make sure you would fit well in our Upstart family.

    45-60-minute virtual technical interviews. Through knowledge-based questions and virtual exercises, we will assess your technical skills to make sure they add new expertise to the team. There can be one or two technical interviews prior to your onsite visit.

    5 approximately 1-hour of virtual interviews. You will meet with a panel of team members virtually and the Hiring Manager through a series of technical (3) and non-technical (3) interviews. These interviews can be all done in a single day, or broken up over a multi-day period.

    Tech stack

    Python, Postgres, AWS, Ruby on Rails, React, Kubernetes, Docker, Machine Learning, Artificial Intelligence, SQL


    Compensation and retirement

    Performance bonus
    RSUs (Restricted Stock Units or Awards)
    401k plan
    401k matching
    Cell phone reimbursement

    Health and wellness

    Health insurance
    Dental insurance
    Vision insurance
    Life insurance
    Disability insurance
    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
    Career growth

    Values and quality of life

    Diversity program
    Accessible via public transportation
    Employee groups and committees
    Snacks and beverages
    Catered lunches
    Company activities
    Remote first
    Social impact
    Upstart - Company Photo
    Upstart - We love our Upstarters, and that means loving their families too!
    Upstart - Some of our awesome team!
    Upstart - Company Photo
    Upstart - Our "Pupstarts" are members of the team, and host impromptu sessions on Happiness & Cuddles, whenever you need them
    Upstart - Company Photo
    Upstart - Company Photo
    Upstart - Company Photo
    Upstart - Company Photo
    Upstart - Company Photo
    Upstart - Company Photo
    Upstart - Company Photo
    Upstart - Upstart Superwomen International Women's Day
    Upstart - Upstart Six Yr Anniversary
    Upstart - Our Engineering Team
    Upstart - International Women's Day Inspiration Wall - "The Women Who Inspire Us"
    Upstart - Upstart Operations team
    Upstart - Upstart Movie Night - Ready Player One!
    Upstart - Upstart Movie Night - Ready Player One!