Senior Software Engineer, Upstart Bank

Upstart

19h•Remote

About The Position

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing and access to credit at scale. As a Senior Software Engineer on the Upstart Bank team, you will design and build systems that enable Upstart Bank to operate at scale. Depending on the team, your work may span funding, payments, reporting, partner integrations, and internal operational workflows. You’ll help build reliable, audit-ready software in a regulated environment while supporting seamless borrower and partner experiences.

Requirements

Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
Experience building and operating production software systems in backend or full-stack environments
Experience building scalable services, APIs, or web applications in cloud environments
Experience owning the technical delivery of medium-to-large engineering projects spanning multiple quarters
Proficiency in at least one modern programming language such as Python, Java, or Kotlin

Nice To Haves

Experience working in fintech, banking infrastructure, payments, or other regulated financial systems
Familiarity with distributed systems, event-driven architectures, and communication frameworks such as Kafka or gRPC
Experience building systems that support reliability, auditability, and strong operational controls
Experience working with reporting pipelines, financial data flows, partner integrations, or internal operational tooling
Ability to collaborate effectively with product, compliance, operations, and engineering partners
Experience working across both backend services and user-facing application layers
Proven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settings.

Responsibilities

Design and build scalable systems, services, and user-facing workflows that support Upstart Bank’s core platform and operations
Own technical design and delivery for medium-to-large engineering projects spanning multiple quarters
Translate business, operational, and regulatory requirements into reliable, maintainable software
Improve system reliability, performance, observability, and data consistency across distributed services and integrations
Contribute to architecture and design discussions, helping systems evolve for scale, auditability, and long-term maintainability
Partner with product, compliance, operations, and other engineers to deliver high-quality solutions in a regulated environment
Uphold a high engineering bar through strong implementation, code review, testing, and operational ownership

Benefits

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
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
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 and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).