Software Engineer, Cash Line

Job not on LinkedIn

🔥 6 minutes ago

🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – Remote

💵 $142k - $196.6k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧑‍💻 Full-stack Engineer

🦅 H1B Visa Sponsor

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👻 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

• Design, build, and maintain reliable backend services and APIs for Cash Line and the broader borrower journey • Develop systems supporting offer generation, pricing, underwriting, funding, and account management • Integrate backend capabilities with borrower-facing applications and partner systems • Collaborate with product managers, designers, and engineers to scope, build, and ship features • Write tested, maintainable code and participate in code reviews • Improve system performance, scalability, reliability, and observability • Diagnose and resolve issues across environments • Support experimentation and iterative improvements using data and customer feedback • Occasionally travel for team onsites and company gatherings

🎯 Requirements

• Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience • 4+ years of professional software engineering experience • Strong proficiency building backend services and APIs in Python, Java, Kotlin, Ruby, or Node.js • Experience with REST or GraphQL APIs, data models, and distributed systems or service-oriented architectures • Fundamentals of writing tested, maintainable code and collaborating through code review • Ability to work with product and design partners to deliver features from requirements through production • Experience building scalable, reliable systems for consumer-facing products • Familiarity with automated testing, CI/CD workflows, observability, and modern software development practices • Exposure to fintech, lending, payments, or other regulated financial products • Experience with experimentation, A/B testing, or feature flagging in production • Active use of AI tools in engineering workflows • Passion for products that expand access to credit and improve consumers' financial outcomes • Most Upstart employees can live and work anywhere in the U.S.; Upstart is not currently able to hire in Quebec

🏖️ Benefits

• Competitive compensation, including 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 employees (US only) • Comprehensive medical, dental, vision, wellness resources, and supplemental health coverage for Canada • Health Savings Account contributions for eligible plans (US only) • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Family-centered fertility, parenthood, and caregiving benefits • Employee Assistance Program with mental health support and life-centered resources • Financial planning tools and financial concierge service (US only) • 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 office locations