Senior Software Engineer, Identity

Upstart

12h•$166,900 - $242,400•Remote

About The Position

Upstart’s Identity team builds systems that help borrowers and lending partners securely access and manage 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 will own meaningful projects from design through delivery, partner with Product, Information Security, and Application Security, and help evolve how Upstart builds secure customer experiences at scale. The role is primarily backend focused; frontend experience is helpful but not required. This role is remote and is available in the United States. Upstart is a digital-first company, and most work can be accomplished remotely. Employees are encouraged to collaborate in person at team onsites; cadence varies by team and role, with most teams meeting once or twice per quarter for two to four consecutive days. The anticipated U.S. remote base salary range is $166,900–$242,400. Actual base pay depends on geographic location, job-related skills, experience, and relevant education or training. Total compensation may also include target bonuses, equity compensation, and benefits.

Requirements

Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience.
At least 4 years of software engineering experience.
Experience designing, building, testing, and maintaining production backend software or services.
Experience owning software engineering projects through multiple development lifecycle stages, from technical design through production delivery.
Experience designing or integrating APIs, services, or other components within distributed or interconnected production systems.
Experience with 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 for secure login, account management, authentication, and authorization 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, protecting customer data while reducing unnecessary friction.
Partner with Product, Information Security, Application Security, and engineering teams to deliver secure capabilities and influence product direction.
Identify opportunities to improve the reliability, maintainability, and security of interconnected systems.
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, applying engineering judgment and validating the resulting work.

Benefits

Target bonuses and equity compensation.
Medical, dental, and vision coverage.
401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually.
Employee Stock Purchase Plan with discounted stock purchase options for eligible U.S. employees.
Health Savings Account contributions for eligible U.S. plans.
Life insurance and disability coverage.
Paid time off, sick leave, and company holidays.
Paid family and parental leave.
Family-centered benefits supporting fertility, parenthood, and caregiving.
Employee Assistance Program with mental health support and life-centered resources.
Financial wellness resources, including financial planning tools and a financial concierge service for U.S. employees.
Annual wellness allowance supporting physical and emotional well-being and personal development.
Annual productivity allowance for relevant work tools and resources.
Team events, all-company updates, and employee resource groups.
Catered lunches and stocked micro-kitchens at offices in the Bay Area, Austin, Columbus, and New York City.