Base Salary
$167k - $231k/yr
Responsibilities
- Design and build scalable backend services and platform capabilities for origination workflows across products and lending partners.
- Improve the reliability, observability, and operational resilience of critical origination systems and APIs.
- Refactor and decouple legacy systems into reusable, product-agnostic platform infrastructure.
- Build orchestration and workflow solutions to streamline partner onboarding and reduce manual operational work.
- Collaborate with Engineering, Product, Lending Partnerships, Compliance, Legal, and Loan Sales teams.
- Lead technical design discussions, author design documents, and contribute to engineering practices for quality, monitoring, and operational excellence.
- Use AI-assisted development tools and automation to improve productivity and reduce repetitive workflows.
- Participate in operational support and incident response, identify root causes, and implement durable system improvements.
Requirements
- Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent qualification.
- At least 6 years of experience building and operating backend services, APIs, or data-intensive systems in production.
- Experience owning software through design, implementation, deployment, monitoring, and on-call support.
- Proficiency with at least one modern backend programming language or framework, including Ruby on Rails or the ability to ramp quickly in a Ruby codebase.
- Experience designing distributed systems, service integrations, or workflow-based architectures for scalability and reliability.
- Preferred experience in fintech, lending, banking, or capital markets environments.
- Preferred knowledge of orchestration platforms or workflow engines such as Temporal.
- Ability to identify operational inefficiencies and build scalable automation or self-service tooling.
- Experience with observability, incident analysis, and production monitoring practices.
- Experience using AI-assisted development tools, automation frameworks, or AI agents to improve engineering productivity.
Benefits
- Remote work in the United States or Canada under a digital-first work model, with offices in Columbus, Austin, the Bay Area, and New York City.
- Target bonuses, annual equity grants, and an employee stock purchase plan for eligible US employees.
- 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually.
- Medical, dental, vision, wellness resources, supplemental Canadian health coverage, and Health Savings Account contributions for eligible US plans.
- Life insurance, disability coverage, paid time off, sick leave, company holidays, and paid family and parental leave.
- Family-centered fertility, parenthood, and caregiving benefits plus an Employee Assistance Program.
- Financial wellness resources, an annual wellness allowance, and an annual productivity allowance.
- Team events, company updates, employee resource groups, catered lunches, and stocked office kitchens.
- Applicants based in Canada cannot currently be hired in Quebec.
About Upstart
Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California. Upstart Network, Inc. NMLS #936133 | All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873 nmlsconsumeraccess.org