Software Engineer, Cash Line

Upstart

2d•$142,000 - $196,600•Remote

About The Position

The Cash Line team is responsible for one of Upstart's core lending products, which provides borrowers with flexible credit through a seamless, digitally native experience. This team manages key aspects of the borrower journey, including offer generation, pricing, underwriting, funding, and account management, while collaborating with the broader lending platform that scales Upstart's operations. As a Software Engineer on the Cash Line team, you will be involved in designing, building, and operating the backend systems that support these functionalities. Your work will primarily focus on backend services, APIs, and data flows related to pricing, underwriting, funding, and account management. This is a hands-on role where you will take ownership of significant features from start to finish, collaborate with various disciplines, and enhance your technical skills on a product critical to the business.

Requirements

Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience, and 4+ years of professional software engineering experience.
Strong proficiency building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js.
Experience designing and working with REST or GraphQL APIs, data models, and distributed systems or service-oriented architectures.
Solid fundamentals in writing tested, maintainable code and collaborating through code review in a team environment.
Ability to work effectively with product and design partners to deliver features from requirements through production.

Nice To Haves

Experience building scalable, reliable systems for consumer-facing products with complex user journeys.
Familiarity with automated testing, CI/CD workflows, observability, and modern software development practices.
Exposure to fintech, lending, payments, or other regulated financial products.
Experience with experimentation, A/B testing, or feature flagging in production environments.
Active use of AI tools in engineering workflows, with a thoughtful perspective on how AI is reshaping software development.
Passion for building products that expand access to credit and improve financial outcomes for consumers.

Responsibilities

Design, build, and maintain reliable backend services and APIs that support Cash Line and the broader borrower journey.
Develop systems that power offer generation, pricing, underwriting, funding, and account management experiences.
Work across the stack as needed to integrate backend capabilities with borrower-facing applications and partner systems.
Partner closely with product managers, designers, and engineers to scope, build, and ship features that improve borrower flows and reduce friction.
Write well-tested, maintainable code and participate in code reviews, helping raise the quality and consistency of the team's codebase.
Contribute to the performance, scalability, reliability, and observability of the systems you own, and help diagnose and resolve issues across environments.
Support experimentation and iterative improvements by building flexible services and using data and customer feedback to inform what gets built next.

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!)