Senior Software Engineer, Lifecycle

🕒 June 18

🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – 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 and build scalable backend services that power our unified communications platform across SMS, email, push, and future channels. • Develop systems for real-time, event-triggered messaging and self-serve marketing automation and experimentation capabilities. • Translate large, complex datasets into high-leverage marketing capabilities through APIs, streaming pipelines, and reverse ETL workflows. • Partner closely with product managers, lifecycle marketing, data insights, analytics, and data platform teams to define requirements and deliver impactful, data-driven solutions. • Lead medium-sized projects independently—proactively identifying risks, managing ambiguity, and driving execution from design through launch. • Strengthen our engineering culture by improving system reliability, accelerating iteration, and clearly communicating technical trade-offs to cross-functional stakeholders.

🎯 Requirements

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience • Experience building and operating microservices and APIs in a cloud environment (preferably AWS). • Proficiency in at least one backend language such as Kotlin, Java, Ruby, or Python. • Demonstrated ability to independently execute on projects, navigate ambiguity, and collaborate effectively with cross-functional partners. • Excellent written and verbal communication skills with the ability to work in a distributed team • Experience supporting Marketing, Growth, or GTM teams, particularly in environments involving CDPs, customer segmentation, or campaign orchestration. • Experience with reverse ETL tools (e.g., Hightouch, Census), data pipeline tooling (e.g., Airbyte, Fivetran, Databricks), or marketing automation platforms (e.g., Iterable, Braze, or Salesforce Marketing Cloud). • Familiarity with real-time event streaming systems and high-throughput messaging architectures. • Experience integrating with third-party APIs and building systems that ingest, transform, and expose large volumes of data. • Track record of leading medium-to-large projects and contributing to system design decisions with long-term platform impact.

🏖️ 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!)