Senior Software Engineer - Lending Platform

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team

Upstart's Lending Platform team builds the systems that power critical financial operations across the company. The team develops highly scalable, event-driven platforms that automate accounting close processes, capital risk workflows, and other finance capabilities that support the accuracy and integrity of Upstart's financial operations.

As a Senior Software Engineer, you'll design and deliver the core systems that process large volumes of financial data and events. Your work will directly influence the reliability of Upstart's balance sheet, accelerate finance automation, and create a strong technical foundation for future investments across Treasury and other financial platforms.

How you'll make an impact

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

Minimum Qualifications

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related technical field (or equivalent practical experience).
• 4+ years of professional software engineering experience building and operating production systems. (L5 standard).
• 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.

Preferred Qualifications

• Knowledge of financial systems, accounting processes, or capital risk management.
• Experience building high-throughput data processing or event streaming platforms.
• Ability to design systems that balance scalability, maintainability, and long-term operational efficiency.
• Experience collaborating across engineering, product, analytics, and business stakeholders to deliver complex technical initiatives.
• Curiosity for applying generative AI tools to accelerate software development and improve engineering effectiveness.

Position location

Remote

Travel requirements

As a digital-first company, the majority of your work can be accomplished remotely. Most employees live and work throughout the U.S. or Canada (outside Quebec) and come together for regular team onsites several times per year.

At Upstart, your base pay is one part of your total compensation package.  The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range$166,900—$230,900 USD

At Upstart, your base pay is one part of your total compensation package.  The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

Canada | Remote - Anticipated Base Salary Range$153,000—$190,000 USD

What you'll love

At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly 
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP) offering mental health support and life-centered resources
• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
• Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
• Connection and community through team events, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy