Senior Software Engineer - Partner Integrations and Origination Platform

Upstart

8d•$166,900 - $230,900•Remote

About The Position

Upstart is seeking a Senior Software Engineer to join the Partner Integrations and Origination Platform team. This team is responsible for building and scaling the systems that power loan originations across various products and lending partners. The role involves improving the reliability, observability, and scalability of origination workflows, enabling new funding sources, and supporting the evolution of Upstart's platform. The Senior Software Engineer will design and build scalable backend systems to simplify and standardize origination flows, modernize foundational infrastructure, reduce operational complexity, and create extensible platform capabilities for efficient partner onboarding and new lending experiences. The position is digital-first, offering flexibility to work remotely or from one of Upstart's offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026).

Requirements

Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or its equivalent) and 4+ years of software engineering experience
6+ years of experience building and operating backend services, APIs, or data-intensive systems in production environments
Experience owning software through the full development lifecycle, including design, implementation, deployment, monitoring, and on-call support
Proficiency with at least one modern backend development framework or programming language; experience with Ruby on Rails or the ability to ramp quickly in a Ruby-based codebase
Experience designing distributed systems, service integrations, or workflow-based architectures that support scalability and reliability

Nice To Haves

Experience working in fintech, lending, banking, or capital markets environments with high expectations for data accuracy, auditability, and system reliability
Knowledge of orchestration platforms or workflow engines such as Temporal
Ability to identify operational inefficiencies and build scalable automation or self-service tooling to improve engineering workflows
Skills in system observability, incident analysis, and production monitoring practices
Experience using AI-assisted development tools, automation frameworks, or AI agents to improve software engineering productivity and operational efficiency

Responsibilities

Design and build scalable backend services and platform capabilities that support origination workflows across multiple products and lending partners
Improve the reliability, observability, and operational resilience of critical origination systems and APIs
Refactor and decouple legacy systems to create reusable, product-agnostic platform infrastructure that scales across partner and product types
Build orchestration and workflow solutions that streamline partner onboarding, reduce manual operational work, and improve system consistency
Collaborate closely with Engineering, Product, Lending Partnerships, Compliance, Legal, and Loan Sales teams to deliver secure and scalable lending experiences
Drive technical design discussions, author design documents, and contribute to engineering best practices for system quality, monitoring, and operational excellence
Use AI-assisted development tools and automation thoughtfully to improve engineering productivity and reduce repetitive workflows
Participate in operational support and incident response, helping identify root causes and implement long-term system improvements

Benefits

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 $15,000 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!)