Sr Software Engineer - Lending Platform

Upstart

2d•$166,900 - $230,900•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 Lending Platform team builds and maintains the systems that power critical financial operations, including accounting close processes and capital risk workflows. This role involves designing and delivering core systems that process large volumes of financial data and events, directly impacting the reliability of Upstart's balance sheet and accelerating finance automation. The company is digital-first, offering flexibility in work location, with options to work remotely or from offices in Columbus, Austin, the Bay Area, or New York City. Upstart is committed to tackling meaningful problems and motivating work that matters.

Requirements

Bachelor's degree in Computer Science, Engineering, Mathematics, or a related technical field (or equivalent practical experience).
4+ years of professional software engineering experience building and operating production systems. (L5 standard).
Experience designing and building distributed, event-driven applications in cloud environments such as AWS.
Experience developing scalable backend services that process large volumes of data using modern programming languages.
Experience designing, testing, and deploying reliable production systems using software engineering best practices.

Nice To Haves

Knowledge of financial systems, accounting processes, or capital risk management.
Experience building high-throughput data processing or event streaming platforms.
Ability to design systems that balance scalability, maintainability, and long-term operational efficiency.
Experience collaborating across engineering, product, analytics, and business stakeholders to deliver complex technical initiatives.
Curiosity for applying generative AI tools to accelerate software development and improve engineering effectiveness.

Responsibilities

Design, build, and operate distributed, event-driven systems that power accounting close automation and capital risk workflows.
Deliver scalable data processing solutions that transform high-volume financial events into accurate, reliable business outcomes.
Partner closely with Product, Data Analytics, Finance, and Engineering teams to define technical solutions for complex financial processes.
Improve the reliability, scalability, and maintainability of critical financial systems while thoughtfully managing technical debt.
Lead multi-quarter engineering initiatives from architecture through production, balancing long-term platform investments with business priorities.
Leverage AI-assisted development tools to improve engineering productivity while maintaining high standards for quality, security, and correctness.

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!)