About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team As a member of our Servicing Engineering team, you will play a pivotal role in ensuring smooth loan management, optimizing collections, and cultivating strong customer relationships — with a specialized focus on Payments. Our team’s mission is to build a best-in-class loan servicing and payments platform that enables flexibility, operational excellence, and innovation in how borrowers make and manage payments. We’re developing a cutting-edge platform that introduces business process automation, payment workflow orchestration, and a seamless user experience for both borrowers and internal stakeholders. About the Role Our Senior Software Engineers are trusted technical leaders who thrive across the full stack. You don’t wait for someone to pave the road—you build it. You bring deep technical expertise in payments systems, from NACHA nuances to payment rails architecture, and a strong understanding of the operational and technical challenges of scaling financial workflows. You’ll be a hands-on Team lead, shaping the direction of payment features, integrations, and standards that define how we transact with borrowers. You’ll collaborate closely with Product, Analytics, and Operations to ensure that our payments platform is reliable, extensible, and ready to support new financial experiences.