Principal Software Engineer

August 15

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Upstart

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Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

1001 - 5000 employees

📋 Description

• Architect scalable, reusable backend systems that power critical mobile features, including push notifications, data synchronization, and cross-device user flows • Shape the long-term backend strategy for mobile, reducing ad-hoc and duplicated efforts across teams • Act as a technical bridge—translating mobile needs into backend capabilities and unblocking delivery velocity • Drive architectural alignment across teams and domains, advocating for scalable patterns that support mobile growth • Identify and resolve cross-functional technical challenges that span platform, product, and infrastructure boundaries • Mentor engineers across mobile and backend teams, introducing sustainable practices and improving system maintainability • Contribute directly to Upstart’s ability to scale its mobile engagement and retention—impacting both user experience and business performance

🎯 Requirements

• 6+ years of backend engineering experience, including designing and scaling distributed systems • Deep experience with service-oriented architecture, system design, and API development for mobile applications • Proven ability to influence technical direction across teams and communicate architectural tradeoffs to stakeholders • Experience collaborating with mobile teams or supporting mobile-first features at scale • Strong communication and collaboration skills, especially in environments with competing priorities • Proficiency in at least one backend language (e.g., Ruby, Go, Kotlin) and fluency in cloud infrastructure patterns • Demonstrated success operating without authority in complex, cross-functional organizations

🏖️ Benefits

• Competitive Compensation (base + bonus & equity) • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings • 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