Base Salary
$142k - $197k/yr
Responsibilities
- Design, build, and maintain reliable backend services and APIs supporting Cash Line and the broader borrower journey.
- Develop systems for offer generation, pricing, underwriting, funding, and account management.
- Work across the stack to integrate backend capabilities with borrower-facing applications and partner systems.
- Collaborate with product managers, designers, and engineers to scope, build, and ship borrower-focused features.
- Write tested, maintainable code and participate in code reviews.
- Improve system performance, scalability, reliability, and observability while diagnosing and resolving issues across environments.
- Support experimentation and iterative product improvements using data and customer feedback.
Requirements
- Bachelor’s degree in Computer Science, Engineering, or a related field, or equivalent practical experience, and 4+ years of professional software engineering experience.
- Strong proficiency building backend services and APIs using a language such as Python, Java, Kotlin, Ruby, or Node.js.
- Experience with REST or GraphQL APIs, data models, and distributed systems or service-oriented architectures.
- Strong software testing, maintainability, and code review fundamentals.
- Ability to collaborate with product and design partners to deliver features from requirements through production.
- Preferred experience building scalable consumer-facing systems with complex user journeys.
- Preferred familiarity with automated testing, CI/CD workflows, observability, experimentation, A/B testing, or feature flagging.
- Preferred exposure to fintech, lending, payments, regulated financial products, and AI tools in engineering workflows.
Benefits
- Remote work is available throughout most of the U.S. and in eligible Canadian locations, excluding Quebec; teams typically meet onsite once or twice per quarter for two to four consecutive days.
- Occasional travel may be required for team onsites and company gatherings.
- Benefits include medical, dental, vision, wellness resources, retirement plans with company matching, an ESPP for eligible U.S. employees, HSA contributions, life and disability insurance, paid time off, sick leave, company holidays, and paid family and parental leave.
- Additional benefits include family-centered caregiving support, an Employee Assistance Program, financial wellness resources, annual wellness and productivity allowances, employee resource groups, and team events.
- Office perks include catered lunches and stocked micro-kitchens at offices in the Bay Area, Austin, Columbus, and New York City, opening Summer 2026.
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