Software Engineer

🔥 9 minutes ago

🇺🇸 United States – Remote

💵 $130.8k - $153.9k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

🧑‍💻 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, build, test, and maintain scalable backend systems, services, and APIs supporting Upstart Bank initiatives • Deliver high-quality software while partnering with senior engineers on medium-to-large engineering projects • Translate business, operational, and regulatory requirements into reliable, maintainable software • Improve system reliability, observability, and operational excellence across backend services • Participate in technical design discussions while growing engineering depth and technical ownership • Collaborate closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver high-quality software • Uphold a high engineering bar through thoughtful implementation, testing, code review, and operational ownership • Demonstrate curiosity, adaptability, and a willingness to learn while contributing to a growing engineering organization

🎯 Requirements

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) • 2+ years of software engineering experience • Experience building production backend or full-stack software systems • Experience working with APIs, backend services, or web applications • Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar • Strong engineering fundamentals around software design, testing, debugging, and operational ownership • Ability to work effectively in ambiguous, cross-functional environments

🏖️ 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!)