Software Engineer, Verifications Platform

🕒 5 days ago

🇺🇸 United States – Remote

💵 $142k - $196.6k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧑‍💻 Full-stack Engineer

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

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.

📋 Description

• Design and build backend services that power verification orchestration, risk evaluation, and automated approval decisions. • Develop and evolve rule engines and decisioning systems to increase automation coverage across products. • Integrate external data providers (e.g., Plaid) into resilient, scalable workflows. • Improve document automation pipelines including classification, extraction, and fraud detection systems. • Build and maintain APIs, Kafka events, and service contracts that enable product teams to consume verification capabilities. • Build platform capabilities that enable reusable financial data connections across products while improving automation, observability, and connection lifecycle management. • Partner with underwriting, and verification teams to streamline Plaid data usage and accelerate the adoption of financial signals in decisioning models and automated workflows. • Collaborate with ML teams to productionize risk models and ensure decision correctness at scale. • Contribute to platformization efforts to standardize Verifications stages and enable cross-product reuse. • Strengthen compliance, data integrity, and observability across verification systems.

🎯 Requirements

• Bachelor's degree in Computer Science and 4+ years of professional software engineering experience. • Experience designing and building scalable backend systems in languages such as Java, Kotlin, Go, or Python. • Experience developing and operating distributed systems, including service-to-service APIs and event-driven architectures. • Experience contributing to a decision engine that integrates with machine learning models to evaluate signals. • Experience writing production-quality code with testing and monitoring.

🏖️ 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!)