Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. As a Senior Software Engineer on the Upstart Bank team, you will design and build systems to support the bank's operations, ensuring reliability and compliance in a regulated environment.
Responsibilities
- Design and build scalable systems, services, and user-facing workflows that support Upstart Bank’s core platform and operations
- Own technical design and delivery for medium-to-large engineering projects spanning multiple quarters
- Translate business, operational, and regulatory requirements into reliable, maintainable software
- Improve system reliability, performance, observability, and data consistency across distributed services and integrations
- Contribute to architecture and design discussions, helping systems evolve for scale, auditability, and long-term maintainability
- Partner with product, compliance, operations, and other engineers to deliver high-quality solutions in a regulated environment
- Uphold a high engineering bar through strong implementation, code review, testing, and operational ownership
Skills
- Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
- Experience building and operating production software systems in backend or full-stack environments
- Experience building scalable services, APIs, or web applications in cloud environments
- Experience owning the technical delivery of medium-to-large engineering projects spanning multiple quarters
- Proficiency in at least one modern programming language such as Python, Java, or Kotlin
- Experience working in fintech, banking infrastructure, payments, or other regulated financial systems
- Familiarity with distributed systems, event-driven architectures, and communication frameworks such as Kafka or gRPC
- Experience building systems that support reliability, auditability, and strong operational controls
- Experience working with reporting pipelines, financial data flows, partner integrations, or internal operational tooling
- Ability to collaborate effectively with product, compliance, operations, and engineering partners
- Experience working across both backend services and user-facing application layers
- Proven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settings
Benefits
- Target bonuses
- Equity compensation
- Generous benefits packages (including medical, dental, vision, and 401k)
- 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!)
Company Overview
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