Senior Software Engineer, Unsecured Installments

🔥 12 hours ago

🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – Remote

💵 $166.9k - $230.9k / year

⏰ Full Time

🟠 Senior

🧑‍💻 Full-stack Engineer

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 0%

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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

• Own design and delivery of large, complex backend and full-stack initiatives from planning through launch and maintenance • Set technical direction for service architecture, APIs, data models, and system integrations • Own a 3–6 month roadmap and address systemic reliability and team-effectiveness gaps • Partner with product, frontend, design, platform, and backend engineers to build scalable systems • Improve service and API design, data integrity, testing, observability, security, and operational rigor • Break down ambiguous problems into clear, testable plans and use data to guide tradeoffs • Mentor engineers through code reviews, design reviews, and technical guidance • Contribute to AI use in development workflows and product capabilities

🎯 Requirements

• Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience • 6+ years of professional software engineering experience • Deep proficiency designing and building backend services and APIs in Python, Java, Kotlin, Go, Ruby, or Node.js • Experience with service architecture, API design, data modeling, relational or non-relational databases, and distributed systems • Track record independently leading large, business-critical backend or full-stack projects in production • Experience with testing, monitoring, incident response, performance optimization, and long-term operational ownership • Ability to work effectively in ambiguous environments with evolving requirements and system boundaries • Strong communication and collaboration skills • Preferred: backend or full-stack technical leadership experience • Preferred: consumer-facing products or high-volume transactional systems • Preferred: fintech, lending, payments, or regulated financial products • Preferred: distributed systems, asynchronous processing, event-driven or service-oriented architectures • Preferred: cloud infrastructure, data stores, messaging systems, and CI/CD workflows • Preferred: experimentation, feature flagging, or iterative production improvements • Preferred: generative AI experience

🏖️ Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible US employees • Comprehensive medical, dental, vision, wellness, and supplemental health coverage • Health Savings Account contributions for eligible US plans • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Fertility, parenthood, and caregiving benefits • Employee Assistance Program with mental health support and life-centered resources • Financial planning tools and financial concierge service for US employees • Annual wellness allowance • Annual productivity allowance for relevant tools and resources • Team events, all-company updates, and employee resource groups • Catered lunches and stocked micro-kitchens at offices