Upstart

Sr Software Engineer - Lending Platform

Upstart
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2 months ago
Remote, United StatesSenior
H1B Sponsor

Base Salary

$167k - $231k/yr

Responsibilities

  • Design, build, and operate distributed, event-driven systems for accounting close automation and capital risk workflows.
  • Deliver scalable data-processing solutions that convert high-volume financial events into accurate and reliable business outcomes.
  • Partner with Product, Data Analytics, Finance, and Engineering teams to define solutions for complex financial processes.
  • Improve the reliability, scalability, and maintainability of critical financial systems while managing technical debt.
  • Lead multi-quarter engineering initiatives from architecture through production while balancing platform investments and business priorities.
  • Use AI-assisted development tools to improve engineering productivity while maintaining quality, security, and correctness.

Requirements

  • Bachelor's degree in Computer Science, Engineering, Mathematics, or a related technical field, or equivalent practical experience.
  • At least 4 years of professional software engineering experience building and operating production systems.
  • Experience designing and building distributed, event-driven applications in cloud environments such as AWS.
  • Experience developing scalable backend services that process large volumes of data using modern programming languages.
  • Experience designing, testing, and deploying reliable production systems using software engineering best practices.
  • Knowledge of financial systems, accounting processes, or capital risk management is preferred.
  • Experience building high-throughput data processing or event streaming platforms is preferred.
  • Ability to balance scalability, maintainability, and long-term operational efficiency is preferred.
  • Experience collaborating across engineering, product, analytics, and business stakeholders on complex technical initiatives is preferred.
  • Interest in applying generative AI tools to accelerate software development and engineering effectiveness is preferred.

Benefits

  • Remote, digital-first work arrangement for employees in the U.S. or Canada outside Quebec, with team onsites several times per year.
  • Medical, dental, vision, wellness resources, and health savings account contributions for eligible U.S. 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 U.S. employees, target bonuses, and annual equity grants vesting quarterly.
  • Paid time off, sick leave, company holidays, paid family and parental leave, and family-centered caregiving benefits.
  • Life insurance, disability coverage, Employee Assistance Program, financial wellness resources, and annual wellness and productivity allowances.
  • Team events, employee resource groups, and catered lunches and stocked micro-kitchens at company offices.

Tech Stack

Categories

BackendData Engineering
Upstart

About Upstart

1,001-5,000 employees

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