Senior Software Engineer

Upstart

2d•$166,900 - $242,400•Remote

About The Position

Upstart's Identity team builds the systems that help borrowers and lending partners securely access and manage their accounts across Upstart products. The team works at the intersection of product and security, reducing friction in the customer experience while protecting identity and customer data. As a Senior Software Engineer on the Identity team, you will build secure, reliable backend systems that power login, account management, authentication, and authorization experiences. You’ll own meaningful projects from design through delivery, partner across Product, Information Security, and Application Security, and help evolve how Upstart builds secure customer experiences at scale. This role is primarily backend focused; frontend experience is helpful but not required.

Requirements

Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, plus 4 years of software engineering experience.
Experience designing, building, testing, and maintaining production backend software or services.
Experience owning software engineering projects through multiple stages of the development lifecycle, from technical design through production delivery.
Experience designing or integrating APIs, services, or other components within distributed or interconnected production systems.
Experience applying software engineering practices including code review, automated testing, debugging, and production support.

Nice To Haves

Knowledge of identity and access management concepts and standards such as OAuth 2.0, OpenID Connect, or SAML.
Experience working in a medium-to-large engineering organization or with systems spanning multiple engineering teams.
Experience contributing to frontend development in addition to backend systems.
Experience using AI-assisted development tools such as Cursor, Claude Code, or similar tools in software engineering workflows.
Ability to learn unfamiliar technical domains, communicate technical decisions and outcomes clearly, and develop deep expertise over time.

Responsibilities

Design, build, and operate backend systems that power secure login, account management, authentication, and authorization experiences across Upstart products.
Own engineering projects from problem definition and technical design through implementation, testing, deployment, and ongoing improvement.
Balance security requirements with customer experience, making thoughtful technical decisions that protect customer data while reducing unnecessary friction.
Partner with Product, Information Security, Application Security, and engineering teams across Upstart to deliver secure capabilities and influence product direction.
Identify opportunities to improve the reliability, maintainability, and security of interconnected systems and help establish effective engineering practices across the Identity domain.
Use AI-assisted development tools such as Cursor and Claude Code to accelerate learning and delivery while applying engineering judgment and validating the resulting work.

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