Base Salary
$167k - $242k/yr
Responsibilities
- Design and build scalable systems, services, and user-facing workflows for Upstart Bank’s platform and operations.
- Own technical design and delivery for medium-to-large, multi-quarter engineering projects.
- Translate business, operational, and regulatory requirements into reliable, maintainable software.
- Improve reliability, performance, observability, and data consistency across distributed services and integrations.
- Contribute to architecture and design discussions focused on scale, auditability, and maintainability.
- Partner with product, compliance, operations, and engineering teams to deliver solutions in a regulated environment.
- Maintain a high engineering bar through implementation, code review, testing, and operational ownership.
Requirements
- Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent, plus four years of experience.
- Experience building and operating production software in backend or full-stack environments.
- Experience building scalable services, APIs, or web applications in cloud environments.
- Experience owning technical delivery for medium-to-large engineering projects spanning multiple quarters.
- Proficiency in at least one modern programming language such as Python, Java, or Kotlin.
- Preferred experience in fintech, banking infrastructure, payments, or other regulated financial systems.
- Preferred familiarity with distributed systems, event-driven architectures, Kafka, or gRPC.
- Preferred experience building reliable, auditable systems with strong operational controls.
- Preferred experience with reporting pipelines, financial data flows, partner integrations, or internal operational tooling.
- Ability to collaborate with product, compliance, operations, and engineering partners and work effectively in remote or in-person environments.
Benefits
- Remote work within the United States, with East/West Coast time-zone requirements.
- Team onsites typically occur once or twice per quarter for 2–4 consecutive days.
- Medical, dental, vision, wellness resources, and Health Savings Account contributions for eligible US plans.
- 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 for eligible US employees.
- 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.
- Annual wellness and productivity allowances.
- Team events, company updates, employee resource groups, and onsite office perks.
Tech Stack
Categories
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