Senior Software Engineer

Upstart

13d•$164,800 - $228,400•Remote

About The Position

Upstart is a leading AI lending marketplace that partners with banks and credit unions to expand access to affordable credit through technology. The Bank Technology team builds software systems, automation, and internal platforms that enable Upstart Bank to operate efficiently, securely, and at scale. As a Senior Software Engineer on this team, you will design and build internal applications that power critical bank functions. You will work across software systems, automation, integrations, and platform tooling, translating complex business requirements into scalable, maintainable solutions that deliver meaningful operational impact.

Requirements

Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 4+ years of software engineering experience.
Experience designing, building, and operating production web applications used by internal or external customers.
Experience designing relational database schemas and managing complex data models using PostgreSQL or a similar relational database.
Experience building and maintaining RESTful APIs, integrations, webhooks, or distributed system interfaces.
Experience implementing application security fundamentals, including authentication, role-based access control, audit logging, and schema migrations.

Nice To Haves

Knowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern web application frameworks.
Experience building internal tooling, workflow platforms, or operational software systems.
Familiarity with regulated environments such as financial services, banking, healthcare, or other compliance-driven industries.
Knowledge of governance, risk, and compliance (GRC) platforms, security tooling, or operational controls.
Ability to navigate ambiguous requirements and collaborate effectively with both technical and non-technical stakeholders.

Responsibilities

Design, build, and maintain internal software platforms that support risk, compliance, legal, and operational workflows across Upstart Bank.
Partner with cross-functional stakeholders to translate business requirements into scalable technical solutions and intuitive user experiences.
Develop and maintain APIs, integrations, and data workflows that connect internal systems with third-party platforms.
Design relational data models, authorization frameworks, audit capabilities, and background processing systems that support secure and reliable operations.
Write technical designs, architectural documentation, and implementation plans that establish durable engineering patterns and reduce future maintenance costs.
Contribute to technical decisions regarding system architecture, build-versus-buy evaluations, and long-term platform scalability.

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!)