Senior Software Engineer – Lending Platform

🕒 July 1

🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – Remote

🤠 Texas – Remote

🤠 Texas – 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, build, and operate distributed, event-driven systems that power accounting close automation and capital risk workflows. • Deliver scalable data processing solutions that transform high-volume financial events into accurate, reliable business outcomes. • Partner closely with Product, Data Analytics, Finance, and Engineering teams to define technical solutions for complex financial processes. • Improve the reliability, scalability, and maintainability of critical financial systems while thoughtfully managing technical debt. • Lead multi-quarter engineering initiatives from architecture through production, balancing long-term platform investments with business priorities. • Leverage AI-assisted development tools to improve engineering productivity while maintaining high standards for quality, security, and correctness.

🎯 Requirements

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related technical field (or equivalent practical experience). • 4+ years of professional software engineering experience building and operating production systems. (L5 standard). • Experience designing and building distributed, event-driven applications in cloud environments such as AWS. • Experience developing scalable backend services that process large volumes of data using modern programming languages. • Experience designing, testing, and deploying reliable production systems using software engineering best practices.

🏖️ 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!)