Software Engineer, Verifications Platform

Upstart

5d•$142,000 - $196,600•Remote

About The Position

Upstart's Verifications Decisioning Engineering team builds the backend platform that powers automated verification, fraud detection, and approval decisions across all lending products. The team owns verification logic, risk signal generation, document automation, bank account integrations, and rule-based decisioning systems that enable near-instant funding experiences. The team's north-star goal is to achieve fully automated decisioning while maintaining risk correctness and compliance integrity. As a Software Engineer, Verifications Platform, you will build and scale backend services that power automated approval decisions, verification workflows, and fraud detection systems. You will work on distributed systems that integrate with third-party data providers, machine learning models, and internal rule engines to power accurate, compliant, and highly automated lending decisions, while collaborating cross-functionally to optimize the verifications journey, and contributing to the development of our next-generation decisioning and automation platform.

Requirements

Bachelor's degree in Computer Science and 4+ years of professional software engineering experience.
Experience designing and building scalable backend systems in languages such as Java, Kotlin, Go, or Python.
Experience developing and operating distributed systems, including service-to-service APIs and event-driven architectures.
Experience contributing to a decision engine that integrates with machine learning models to evaluate signals.
Experience writing production-quality code with testing and monitoring.

Nice To Haves

Experience building rule engines, decisioning systems, or risk evaluation platforms.
Experience working with financial services, lending, fraud detection, or identity verification systems.
Experience integrating third-party APIs and external data providers.
Familiarity with workflow orchestration systems (e.g., Temporal).
Experience working with Kafka or event-driven systems.
Exposure to ML model integration in production systems.
Experience working with financial data platforms, connection lifecycle management, or reusable data access systems.
Familiarity with systems that support multi-account, multi-product, or consent-aware financial data workflows.

Responsibilities

Design and build backend services that power verification orchestration, risk evaluation, and automated approval decisions.
Develop and evolve rule engines and decisioning systems to increase automation coverage across products.
Integrate external data providers (e.g., Plaid) into resilient, scalable workflows.
Improve document automation pipelines including classification, extraction, and fraud detection systems.
Build and maintain APIs, Kafka events, and service contracts that enable product teams to consume verification capabilities.
Build platform capabilities that enable reusable financial data connections across products while improving automation, observability, and connection lifecycle management.
Partner with underwriting, and verification teams to streamline Plaid data usage and accelerate the adoption of financial signals in decisioning models and automated workflows.
Collaborate with ML teams to productionize risk models and ensure decision correctness at scale.
Contribute to platformization efforts to standardize Verifications stages and enable cross-product reuse.
Strengthen compliance, data integrity, and observability across verification systems.

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!)