Senior Software Engineer, Identity

September 22

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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

• 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 platform scalability by designing and implementing microservice based architectures. • 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. • Ensure borrowers and partners experience a seamless, secure, and scalable identity framework across lending products and collaborate with Engineering, Product, and Security teams to enhance authentication flows and IAM innovation.

🎯 Requirements

• 7+ years of experience developing large-scale distributed systems in the cloud (AWS, GCP, or Azure). • 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. • Experience working with IAM platforms and security services. • Knowledge of A/B testing, gRPC, and DevOps practices. • Experience with Keycloak, NextJS, and Ruby is a plus. • Proven ability to influence technical direction without direct authority. • Strong product and analytical mindset, capable of making trade-offs between risk, ROI, and performance. • Experience working at companies experiencing rapid growth and scaling challenges. • Strong sense of ownership and accountability for the quality and timely delivery of work • Ability to influence and lead without direct authority

🏖️ 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 on-sites, 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