Base Salary
$167k - $231k/yr
Responsibilities
- Design, build, and operate highly available backend services for Upstart’s real-time lending marketplace.
- Develop scalable systems that support rapid experimentation while maintaining production reliability.
- Translate complex business problems into technical solutions with Product, Machine Learning, Capital Markets, and Analytics partners.
- Build platform capabilities supporting marketplace optimization and monetization strategies.
- Improve scalability, observability, and operational excellence for real-time marketplace decision systems.
- Participate in architecture discussions, code reviews, testing, and operational ownership of critical production systems.
Requirements
- Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience.
- At least 5 years of professional software engineering experience building backend or distributed systems.
- Production service development experience with one or more of Ruby on Rails, Python, or Kotlin.
- Experience designing APIs and building scalable distributed systems.
- Experience operating business-critical production services with emphasis on reliability, monitoring, testing, and operational excellence.
- Experience with cloud platforms, preferably AWS, and modern cloud-native application development.
- Experience collaborating across engineering, product, and business stakeholders.
- Preferred experience includes marketplaces, recommendation systems, optimization engines, financial systems, event-driven architectures, Kafka, workflow orchestration, real-time data processing, and platform scalability.
Benefits
- Remote position available across the U.S. and Canada outside Quebec, with East/West Coast time-zone requirements.
- Most teams meet in person once or twice per quarter for 2–4 consecutive days.
- Medical, dental, vision, wellness resources, supplemental Canadian health coverage, 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, equity compensation, annual equity grants, paid time off, sick leave, company holidays, and paid family and parental leave.
- Life insurance, disability coverage, fertility and caregiving benefits, Employee Assistance Program, financial wellness resources, annual wellness allowance, and annual productivity allowance.
- Team events, company updates, employee resource groups, catered lunches, and stocked office kitchens.
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