Job Description
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 Bank is an evolution of Upstart’s AI lending platform focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented state-based system to a unified federal framework Upstart Bank enables more consistent borrower experiences reduces structural costs and unlocks opportunities to improve pricing and access to credit at scale.
As a Senior Software Engineer on the Upstart Bank team you will design and build systems that enable Upstart Bank to operate at scale. Depending on the team your work may span funding payments reporting partner integrations and internal operational workflows. You’ll help build reliable audit-ready software in a regulated environment while supporting seamless borrower and partner experiences.
How you’ll make an impact
- Design and build scalable systems services and user-facing workflows that support Upstart Bank’s core platform and operations
- Own technical design and delivery for medium-to-large engineering projects spanning multiple quarters
- Translate business operational and regulatory requirements into reliable maintainable software
- Improve system reliability performance observability and data consistency across distributed services and integrations
- Contribute to architecture and design discussions helping systems evolve for scale auditability and long-term maintainability
- Partner with product compliance operations and other engineers to deliver high-quality solutions in a regulated environment
- Uphold a high engineering bar through strong implementation code review testing and operational ownership
Minimum Qualifications
- Bachelor’s degree in Computer Science Engineering or Mathematics or a related field (or its equivalent) + 4 years of experience
- Experience building and operating production software systems in backend or full-stack environments
- Experience building scalable services APIs or web applications in cloud environments
- Experience owning the technical delivery of medium-to-large engineering projects spanning multiple quarters
- Proficiency in at least one modern programming language such as Python Java or Kotlin
Preferred Qualifications
- Experience working in fintech banking infrastructure payments or other regulated financial systems
- Familiarity with distributed systems event-driven architectures and communication frameworks such as Kafka or gRPC
- Experience building systems that support reliability auditability and strong operational controls
- Experience working with reporting pipelines financial data flows partner integrations or internal operational tooling
- Ability to collaborate effectively with product compliance operations and engineering partners
- Experience working across both backend services and user-facing application layers
- Proven ability to thrive in diverse work environments including collaborative self-directed remote and in-person settings.
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
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 --> use for L5 L6
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).
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 Mathematics or related field (or equivalent) + 4 years of experience
- Experience building and operating production software systems in backend or full-stack environments
- Experience building scalable services APIs or web applications in cloud environments
- Experience owning the technical delivery of medium-to-large engineering projects spanning multiple quarters
- Proficiency in at least one modern programming language such as Python Java or Kotlin
- Experience working in fintech banking infrastructure payments or other regulated financial systems
- Familiarity with distributed systems event-driven architectures and communication frameworks such as Kafka or gRPC
- Experience building systems that support reliability auditability and strong operational controls
- Experience working with reporting pipelines financial data flows partner integrations or internal operational tooling
- Experience working across both backend services and user-facing application layers
What the Team is Saying
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.
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