Senior Software Engineer, Identity Platform

🕒 June 22

🇺🇸 United States – Remote

💵 $166.9k - $230.9k / year

⏰ Full Time

🟠 Senior

🧑‍💻 Full-stack Engineer

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🚘 Automotive

💼 Consulting

🏥 Healthcare

Automotive • Consulting • Healthcare

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company focuses on revolutionizing lending and credit risk evaluation by leveraging its AI marketplace, which allows for higher approval rates and lower loss rates for Upstart-powered banks and credit unions. Recently, Upstart has expanded its offerings to include automobile refinancing. With a mission to enable effortless credit based on true risk, Upstart is also known for its digital-first lending experience and holds a significant position in the financial services sector.

📋 Description

• Design, develop, and optimize secure and scalable authentication and authorization systems. • Collaborate with cross-functional teams to improve Identity and Access Management (IAM) capabilities, including OAuth, OpenID Connect, MFA, and SSO. • Partner with Security teams to enhance security policies and standards, ensuring protection against threats and unauthorized access. • Improve Experimentation platform and Lifecycle across the Upstart Network Inc Products. • Drive best engineering practices for clean, maintainable, and efficient code. • Participate in architectural discussions, helping to shape the long-term vision of Identity Platform. • Mentor and collaborate with other engineers to elevate the team’s technical skills and knowledge. • Work on high impact initiatives that solve for making credit accessible to everyone.

🎯 Requirements

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience • Strong proficiency in backend technologies (e.g., Kotlin, Java, Ruby, C#). • Hands-on experience with authentication and authorization protocols (OAuth 2.0, OpenID Connect, SAML). • Experience building scalable APIs using containerization technologies like Docker and Kubernetes. • Understanding of security principles, including encryption, token-based authentication, and identity federation. • Strong problem-solving and debugging skills, with an emphasis on performance optimization. • Ability to balance the needs of the business with engineering best practices and security considerations. • Passion for clean code, architecture, and continuous improvement of engineering processes. • Experience with AI Coding tools such as Cursor, Claude Code etc. • Excellent communication skills – able to translate complex technical concepts for a variety of stakeholders.

🏖️ 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!)