Software Engineer, Agentic Tooling

Upstart

23h•$117,000 - $162,000•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 company uses advanced AI and machine learning to make smarter, fairer decisions for millions of customers. Upstart is a digital-first company, offering flexibility for employees to work remotely while fostering connection through team onsites. The Servicing Engineering team is responsible for managing loans end-to-end, maximizing collections, and strengthening customer relationships by building a scalable loan servicing platform. This platform automates business processes, improves operational efficiency, and delivers high-quality experiences for borrowers and internal partners through data, machine learning, and thoughtful system design. As a Software Engineer on this team, you will collaborate with product, operations, and cross-functional engineering teams to design and build scalable systems for the servicing platform, contributing to both existing systems and new initiatives to enhance reliability, efficiency, and user experience.

Requirements

Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 0 to 2 years of experience
Experience developing software applications (internships, academic projects, or professional experience)
Proficiency in one or more programming languages (e.g., Ruby, Java, Python, JavaScript, or similar)
Familiarity with building or consuming APIs and working with web-based applications
Understanding of software development fundamentals, including data structures, version control, and testing practices

Nice To Haves

Experience developing full stack web applications using modern frameworks (e.g., React, Next.js, Ruby on Rails, or similar)
Familiarity with cloud platforms (e.g., AWS, GCP) or deploying applications in a cloud environment
Exposure to microservices architecture or distributed systems concepts
Experience working with relational or NoSQL databases
Ability to contribute across the stack, including frontend and backend components
Demonstrated ability to learn new technologies and improve through feedback

Responsibilities

Build and maintain features across the full stack, including web applications, backend services, and third-party integrations
Contribute to the design and implementation of scalable, reliable systems that support loan servicing workflows
Collaborate with cross-functional partners to translate business requirements into technical solutions
Write high-quality, well-tested code and participate in code reviews to uphold engineering standards
Debug issues, troubleshoot production systems, and support ongoing system improvements
Identify opportunities to improve processes, tooling, and system efficiency

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!)