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.
Upstart's Lending Platform team builds the systems that power critical financial operations across the company. The team develops highly scalable event-driven platforms that automate accounting close processes capital risk workflows and other finance capabilities that support the accuracy and integrity of Upstart's financial operations.
As a Senior Software Engineer you'll design and deliver the core systems that process large volumes of financial data and events. Your work will directly influence the reliability of Upstart's balance sheet accelerate finance automation and create a strong technical foundation for future investments across Treasury and other financial platforms.
How you'll make an impact- Design build and operate distributed event-driven systems that power accounting close automation and capital risk workflows.
- Deliver scalable data processing solutions that transform high-volume financial events into accurate reliable business outcomes.
- Partner closely with Product Data Analytics Finance and Engineering teams to define technical solutions for complex financial processes.
- Improve the reliability scalability and maintainability of critical financial systems while thoughtfully managing technical debt.
- Lead multi-quarter engineering initiatives from architecture through production balancing long-term platform investments with business priorities.
- Leverage AI-assisted development tools to improve engineering productivity while maintaining high standards for quality security and correctness.
- Bachelor's degree in Computer Science Engineering Mathematics or a related technical field (or equivalent practical experience).
- 4+ years of professional software engineering experience building and operating production systems. (L5 standard).
- Experience designing and building distributed event-driven applications in cloud environments such as AWS.
- Experience developing scalable backend services that process large volumes of data using modern programming languages.
- Experience designing testing and deploying reliable production systems using software engineering best practices.
- Knowledge of financial systems accounting processes or capital risk management.
- Experience building high-throughput data processing or event streaming platforms.
- Ability to design systems that balance scalability maintainability and long-term operational efficiency.
- Experience collaborating across engineering product analytics and business stakeholders to deliver complex technical initiatives.
- Curiosity for applying generative AI tools to accelerate software development and improve engineering effectiveness.
Remote
Travel requirementsAs a digital-first company the majority of your work can be accomplished remotely. Most employees live and work throughout the U.S. or Canada (outside Quebec) and come together for regular team onsites several times per year.
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).
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 practical experience).
- 4+ years of professional software engineering experience building and operating production systems.
- Experience designing and building distributed event-driven applications in cloud environments such as AWS.
- Experience developing scalable backend services that process large volumes of data using modern programming languages.
- Experience designing testing and deploying reliable production systems using software engineering best practices.
- Knowledge of financial systems accounting processes or capital risk management.
- Experience building high-throughput data processing or event streaming platforms.
- Ability to design systems that balance scalability maintainability and long-term operational efficiency.
- Experience collaborating across engineering product analytics and business stakeholders to deliver complex initiatives.
- Curiosity for applying generative AI tools to accelerate software development and improve engineering effectiveness.
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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Date Posted
07/01/2026
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