Senior Software Engineer, Foundations

· Remote

Location

Remote

Type

Full Time

Job Description

UpstartJobs
Senior Software Engineer Foundations

Senior Software Engineer Foundations

Posted 10 Hours Ago
Easy Apply
Be an Early Applicant
Hiring Remotely in United States
Remote
167K-231K Annually
Senior level
Artificial Intelligence • Fintech • Machine Learning • Social Impact • Software
Upstart is dedicated to improving access to credit for all. Why? Because credit really matters.
The Role
The Senior Software Engineer will build scalable backend systems maintain data workflows and collaborate across teams to enhance marketing initiatives.
Summary Generated by Built In

About Upstart

At 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 1800 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 Foundations team builds and maintains the large-scale data platforms that support Growth marketing initiatives across the business. The team powers audience segmentation marketing campaign enablement and user session attribution systems that directly influence customer acquisition and loan conversion outcomes.

As a Senior Software Engineer at Upstart you will help scale and extend backend data systems that enable high-quality reliable marketing data workflows. You will partner closely with engineering product and marketing stakeholders to improve data availability maintainability and observability while supporting business-critical marketing operations.

How you’ll make an impact

  • Build and maintain scalable backend systems and data pipelines that support audience segmentation and marketing attribution workflows
  • Partner with product managers marketers and engineers to deliver data solutions that support customer acquisition and conversion goals
  • Extend existing data infrastructure to support increasing data volumes evolving business requirements and new integrations
  • Contribute to data quality initiatives by implementing monitoring validation and guardrail mechanisms across critical datasets
  • Participate in technical discussions around architecture access patterns and platform scalability to support long-term platform growth

Minimum Qualifications 

  • Bachelor’s degree in Computer Science Engineering or Mathematics or a related field (or its equivalent) + 4 years of experience
  • 5+ years of experience building and maintaining backend distributed systems or large-scale data platforms
  • Experience working with data processing systems databases or data pipelines in production environments
  • Experience implementing fault tolerance monitoring and observability practices for backend systems
  • Experience collaborating cross-functionally with engineering product or business stakeholders to deliver technical solutions

Preferred Qualifications

  • Knowledge of data modeling and schema design best practices for large-scale data systems
  • Experience supporting marketing technology attribution or customer segmentation platforms
  • Familiarity with data governance privacy and PII security considerations
  • Ability to balance short-term feature delivery with long-term platform maintainability and scalability
  • Experience contributing to architectural discussions and improving engineering best practices across teams

Position location This role is available in the following locations: Remote 

Travel 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-MidSenior 

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
$166900$230900 USD

What you'll love

At 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 quarterly 
  • Retirement benefits to help you plan for the future including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed up to $15000 annually (USD in the US CAD in Canada)
  • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
  • Comprehensive health coverage designed to support you and your family including medical dental vision and wellness resources for US and supplemental health coverage for Canada.
  • Health Savings Account contributions from Upstart for eligible plans (US only)
  • Income protection benefits including life insurance and disability coverage for added financial security
  • Paid time off sick leave and company holidays in line with local requirements
  • Paid family and parental leave to support caregiving and major life moments (duration varies by country)
  • Family-centered benefits to support fertility parenthood and caregiving needs
  • Employee Assistance Program (EAP) offering mental health support and life-centered resources
  • Financial wellness resources including access to financial planning tools and a financial concierge service (US Only)
  • Annual wellness allowance to support your physical and emotional well-being and personal development based on what matters most to you
  • Annual productivity allowance to invest in relevant tools and resources you need to do your best work no matter where you work from
  • Connection and community through team events all-company updates and employee resource groups (ERGs)
  • Onsite perks including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area Austin Columbus and New York City (opening Summer 2026!)

For roles based in Canada please note that we are not currently able to hire in Quebec.

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 [email protected]

https://www.upstart.com/candidate_privacy_policy

Skills Required

  • Bachelor's degree in Computer Science Engineering or Mathematics or a related field (or its equivalent) + 4 years of experience
  • 5+ years of experience building and maintaining backend distributed systems or large-scale data platforms
  • Experience working with data processing systems databases or data pipelines in production environments
  • Experience implementing fault tolerance monitoring and observability practices for backend systems
  • Experience collaborating cross-functionally with engineering product or business stakeholders to deliver technical solutions

What the Team is Saying

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The Company
HQ: San Mateo CA
1500 Employees
Year Founded: 2012

What We Do

Upstart is the leading AI lending marketplace connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI lenders can approve more borrowers at lower rates across races ages and genders while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload. Founded in 2012 Upstart’s platform includes personal loans automotive retail and refinance loans home equity lines of credit and small-dollar “relief” loans. If you are energized by the impact you think you could make at Upstart we'd love to hear from you!

Why Work With Us

Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced and we encourage ownership at all levels of the organization. As a result culture at Upstart is driven by Upstarters. Upstarters are proactive talented multi-dimensional and collaborative.

Gallery

Upstart Offices

Remote Workspace

Employees work remotely.

Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo California; Columbus Ohio; Austin Texas; and New York City NY.

Typical time on-site: None
HQSan Mateo CA
Austin TX
Columbus OH
New York NY
Learn more

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Date Posted

05/21/2026

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