Senior Software Engineer, Payments

2 days ago

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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

• Lead successful cross-team or multi-quarter projects that expand the capabilities and reliability of our payments and servicing systems. • Design and build full-stack features, including new payment workflows, card payment expansion, and flexible payment timing options that empower borrowers. • Own the architecture for payment abstractions — ensuring idempotency, exactly-once semantics, and extensible contracts that safely integrate with other systems. • Set engineering standards for correctness, observability, and operational excellence in payment processing. • Collaborate with internal and external partners to evolve Upstart’s payment platform and maintain compliance with payment network rules and NACHA standards. • Mentor engineers across the team, sharing expertise on distributed systems, financial domain design, and scalable architecture. • Help grow the engineering team and foster a culture of technical rigor, ownership, and continuous improvement.

🎯 Requirements

• 5+ years of professional software development experience. • Proven technical leadership experience in designing and operating distributed, microservices-based systems. • Deep understanding of release orchestration, deployment, logging, monitoring, and alerting at scale. • Demonstrated ownership of production-critical payment or financial transaction systems. • Experience designing and maintaining payments or transaction-oriented systems with strong reliability guarantees. • Knowledge of ACH, NACHA, or card payment networks and related operational concerns. • Experience writing clean, extensible APIs that abstract payment workflows and enable integration across platforms. • Familiarity with Ruby on Rails or Kotlin in a microservices environment. • Strong communication and mentoring skills, with the ability to influence cross-functionally. • Growth mindset with a commitment to excellence and iterative improvement.

🏖️ 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