Software Engineer, Verifications Platform

Upstart

6d•$142,000 - $196,600•Remote

About The Position

Upstart's Verifications Decisioning Engineering team builds the backend platform that powers automated verification workflows, financial data integrations, fraud detection, and approval decisioning across our lending products. The team develops the shared services and infrastructure that enable accurate, scalable, and reusable verification capabilities, helping improve automation, accelerate funding, and maintain risk correctness and compliance across the platform. As a Software Engineer II (L4) on the Verifications Decisioning team, you will design and build backend services that power verification workflows and financial data platforms used across multiple lending products. You'll work on distributed systems that integrate third-party financial data providers, machine learning models, and internal decisioning services while partnering closely with Product, Machine Learning, Risk, Fraud, and other engineering teams to improve automation and platform scalability.

Requirements

Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 3+ years of professional software engineering experience.
3+ years of experience developing backend applications using Kotlin, Java, or another object-oriented programming language.
Experience designing, building, and operating distributed systems, including service-to-service APIs and event-driven architectures.
Experience building and maintaining scalable backend services that process business-critical or financial data in production environments.
Experience contributing to decision engines that integrate with machine learning models to evaluate signals.
Experience writing production-quality code supported by automated testing, monitoring, and observability practices.

Nice To Haves

Knowledge of financial services, lending, fraud prevention, identity verification, or other risk-sensitive systems.
Experience integrating third-party financial data providers or APIs such as Plaid or similar platforms.
Experience building rule engines, workflow orchestration platforms, or automated decisioning systems.
Knowledge of how machine learning models are integrated, monitored, and evaluated within production systems.
Experience building reusable platform services or shared infrastructure supporting multiple engineering teams.

Responsibilities

Design, build, and maintain scalable backend services that power automated verification workflows, financial data integrations, and approval decisioning.
Develop distributed systems, APIs, and event-driven services that improve the scalability, reliability, and reuse of verification capabilities across multiple lending products.
Build platform capabilities that enable reusable financial data connections, streamline connection lifecycle management, and reduce operational overhead for internal engineering teams.
Partner with Machine Learning, Product, Risk, Fraud, and Compliance teams to integrate data, decisioning logic, and risk models into production systems while maintaining correctness and auditability.
Improve system reliability through comprehensive testing, monitoring, observability, and operational best practices for business-critical services.
Contribute to the evolution of the verification platform by improving architecture, engineering standards, and shared infrastructure that accelerates product development across Upstart.

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!)