Software Engineer, Verifications

Upstart

4d•Remote

About The Position

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s Verifications Decisioning team builds core capabilities that i) efficiently deliver online data sources for consumption by Machine Learning (ML) models to improve loan performance and ii) automate decisioning of applications using ML-driven rules to reduce friction and prevent fraud. Upstart has one of the lowest fraud rates in the industry and highest level of automation. This means that the majority of applicants can receive their funds in under 24 hours after they apply. Looking ahead, Verifications need to further push the boundaries of automation doubling down on initiatives that accelerate accuracy of ML models while extending those benefits beyond its flagship Personal Loans business to emerging products such as HELOC, Auto, and Small Dollar loans. As a Software Engineer at Upstart, you will build services to integrate with new data sources, implement and maintain highly scalable gRPC APIs for internal teams to access data, and partner closely with stakeholders to ensure data quality standards are met and ensured through thorough testing frameworks. These efforts will contribute in accelerating improvements to ML models using richer and more reliable data sources.

Requirements

3+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying a passion for user-experience, and a product-first mindset.
High level of proficiency coding in production with Python, Kotlin and/or Ruby on Rails.
Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others.
Excellent communication skills, able to explain complex technical topics to non-technical stakeholders.
Extreme ownership of your work with a problem solving mindset, comfortability persevering through ambiguity without delegating the hard part to others

Nice To Haves

You thrive in environments where you are expected to think like an owner and make decisions like one.
Excellent written and verbal communication skills. You are able to tailor your communication style to fit the needs of the audience.
Contributes to the open-source community, educates others on software development best practices, or spends time outside of work staying up with the latest trends in modern software development.
Knowledge of, or hands-on experience utilizing advanced CI/CD technologies with a focus on infrastructure/everything as code.
You are the go-to person for an important domain on your current or previous team, and love to teach others about it.

Responsibilities

Work closely with cross-functional teams to understand business goals and translate them into technical requirements.
Develop robust, high-performance services that enable real-time data retrieval and decisioning.
Optimize and refactor code for scalability and efficiency, ensuring low-latency responses.
Maintain and evolve our API infrastructure to support the growing volume of products and integrations.
Ensure the quality and reliability of ML models by writing unit and integration tests, participating in code reviews, and monitoring production systems.

Benefits

Competitive Compensation (base + bonus & equity)
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP)
Life and disability insurance
Generous holiday, vacation, sick and safety leave
Supportive parental, family care, and military leave programs
Annual wellness, technology & ergonomic reimbursement programs
Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
Catered lunches + snacks & drinks when working in offices