Senior Software Engineer

Upstart is a leading AI lending platform that partners with banks to provide personal loans using advanced machine learning models to assess credit risk more accurately than traditional methods. Founded in 2012, the company aims to expand access to affordable credit while reducing the risk and costs for lenders. Upstart's platform leverages non-traditional variables such as education and employment history to improve loan approval rates and lower interest rates for borrowers. The company operates primarily in the consumer lending space and is publicly traded on NASDAQ under the symbol UPST. Upstart's mission is to democratize credit and make borrowing more inclusive and efficient through innovative technology.

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company operates primarily remotely across the United States, with offices in San Mateo, Columbus, Austin, and New York City. The Senior Software Engineer on the Event Bus, Experimentation, and gRPC team will be responsible for building frameworks supporting event-driven architectures, safe feature rollouts, and service-to-service communication. The role involves designing and implementing high-impact solutions, collaborating with cross-functional teams, establishing best practices, mentoring junior engineers, and contributing to quality improvements. The team supports multiple programming languages including Ruby, Kotlin, Python, and TypeScript, focusing on performance, data quality, observability, and security.

Join Upstart as a Senior Software Engineer working on Event Bus, Experimentation, and gRPC to build impactful, cross-cutting solutions across the company's services.

United States

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company operates primarily remotely across the United States, with offices in San Mateo, Columbus, Austin, and New York City. The Senior Software Engineer on the Event Bus, Experimentation, and gRPC team will be responsible for building frameworks supporting event-driven architectures, safe feature rollouts, and service-to-service communication. The role involves designing and implementing high-impact solutions, collaborating with cross-functional teams, establishing best practices, mentoring junior engineers, and contributing to quality improvements. The team supports multiple programming languages including Ruby, Kotlin, Python, and TypeScript, focusing on performance, data quality, observability, and security.Benefits:<ul><li> Competitive Compensation (base + bonus & equity)</li><li> Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart</li><li> 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings</li><li> Employee Stock Purchase Plan (ESPP)</li><li> Life and disability insurance</li><li> Generous holiday, vacation, sick and safety leave</li><li> Supportive parental, family care, and military leave programs</li><li> Annual wellness, technology & ergonomic reimbursement programs</li><li> Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering</li><li> Catered lunches + snacks & drinks when working in offices</li></ul>

Upstart

Senior Software Engineer Join Upstart as a Senior Software Engineer working on Event Bus, Experimentation, and gRPC to build impactful, cross-cutting solutions across the company's services. Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company operates primarily remotely across the United States, with offices in San Mateo, Columbus, Austin, and New York City. The Senior Software Engineer on the Event Bus, Experimentation, and gRPC team will be responsible for building frameworks supporting event-driven architectures, safe feature rollouts, and service-to-service communication. The role involves designing and implementing high-impact solutions, collaborating with cross-functional teams, establishing best practices, mentoring junior engineers, and contributing to quality improvements. The team supports multiple programming languages including Ruby, Kotlin, Python, and TypeScript, focusing on performance, data quality, observability, and security. Senior Software Engineer Engineer Upstart Financial Services Fintech Consumer Lending Artificial Intelligence

Upstart is seeking a Senior Software Engineer to develop frameworks and tooling for event-driven architectures and service communication. The role involves designing new features, collaborating with teams, and mentoring junior engineers in a remote or office setting.

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The Distribution Platform team develops solutions for scalable marketing outreach across channels like digital ads, direct mail, and partner integrations. As a Senior Software Engineer, you will design and build systems that connect marketing efforts to users, optimize targeting, and improve engagement. You will collaborate with cross-functional teams, lead projects from conception to launch, and drive platform reliability. The role offers the flexibility to work remotely or from offices in San Mateo, Columbus, or Austin, with regular on-site collaboration sessions. Upstart provides competitive compensation, comprehensive health coverage, 401(k) matching, stock options, and various employee benefits. The anticipated salary range for US remote is $142,000 to $196,600 USD.

Join Upstart as a Senior Software Engineer on the Distribution Platform team to develop scalable systems that enhance marketing outreach and customer engagement.

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The Distribution Platform team develops solutions for scalable marketing outreach across channels like digital ads, direct mail, and partner integrations. As a Senior Software Engineer, you will design and build systems that connect marketing efforts to users, optimize targeting, and improve engagement. You will collaborate with cross-functional teams, lead projects from conception to launch, and drive platform reliability. The role offers the flexibility to work remotely or from offices in San Mateo, Columbus, or Austin, with regular on-site collaboration sessions. Upstart provides competitive compensation, comprehensive health coverage, 401(k) matching, stock options, and various employee benefits. The anticipated salary range for US remote is $142,000 to $196,600 USD.Requirements:<ul><li> 7+ years of professional software development experience</li><li> Strong proficiency in one or more programming languages such as Ruby, Java, Kotlin, Python, or Javascript</li><li> Experience building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP)</li><li> Proven ability to lead projects involving multiple engineers or stakeholders over extended timelines</li><li> Excellent written and verbal communication skills with the ability to work in a distributed team</li><li> Experience building systems that integrate with third parties or manage large-scale data flows (preferred)</li><li> Experience with SQL, data warehouses, or other database technologies (preferred)</li><li> Professional experience with digital advertising platforms like Google Ads or Meta Ads (preferred)</li><li> Experience working with Ruby on Rails and/or Kotlin (preferred)</li><li> Interest or experience with React, Typescript, or front-end technologies (preferred)</li><li> Experience working with marketing technology or growth engineering (preferred)</li></ul>Benefits:<ul><li> Competitive Compensation (base + bonus & equity)</li><li> Comprehensive medical, dental, and vision coverage with Health Savings Account contributions</li><li> 401(k) with 100% company match up to $4,500 and immediate vesting</li><li> Employee Stock Purchase Plan (ESPP)</li><li> Life and disability insurance</li><li> Generous holiday, vacation, sick and safety leave</li><li> Supportive parental, family care, and military leave programs</li><li> Annual wellness, technology & ergonomic reimbursement programs</li><li> Social activities including team events and on-site meetups, employee resource groups (ERGs), and interest groups such as book clubs, fitness, investing, and volunteering</li><li> Catered lunches, snacks, and drinks when working in offices</li></ul>

Senior Software Engineer Join Upstart as a Senior Software Engineer on the Distribution Platform team to develop scalable systems that enhance marketing outreach and customer engagement. Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The Distribution Platform team develops solutions for scalable marketing outreach across channels like digital ads, direct mail, and partner integrations. As a Senior Software Engineer, you will design and build systems that connect marketing efforts to users, optimize targeting, and improve engagement. You will collaborate with cross-functional teams, lead projects from conception to launch, and drive platform reliability. The role offers the flexibility to work remotely or from offices in San Mateo, Columbus, or Austin, with regular on-site collaboration sessions. Upstart provides competitive compensation, comprehensive health coverage, 401(k) matching, stock options, and various employee benefits. The anticipated salary range for US remote is $142,000 to $196,600 USD. Senior Software Engineer Engineer Upstart Financial Services Fintech Consumer Lending Artificial Intelligence

As a Senior Software Engineer at Upstart, you'll design and build systems that connect marketing efforts with users, collaborating across teams to drive growth. The role involves developing resilient platform capabilities, mentoring engineers, and working on innovative solutions in a remote or office setting.

Senior Manager, Software Engineering - Payments and Experience

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company leverages AI to improve approval rates and reduce losses, providing a digital-first lending experience. The Senior Engineering Manager for Payments will lead a team of over 12 engineers, focusing on scalable, reliable payment infrastructure, and will work closely with product, risk, and operations teams to deliver impactful solutions. The role emphasizes architectural clarity, team growth, and balancing speed with compliance. The position is remote within the U.S., with some in-person collaboration. Upstart offers competitive compensation, comprehensive health benefits, 401(k) matching, stock options, and various wellness and leave programs.

Lead the engineering team responsible for payments and borrower experience infrastructure at Upstart, focusing on scalability, reliability, and compliance.

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company leverages AI to improve approval rates and reduce losses, providing a digital-first lending experience. The Senior Engineering Manager for Payments will lead a team of over 12 engineers, focusing on scalable, reliable payment infrastructure, and will work closely with product, risk, and operations teams to deliver impactful solutions. The role emphasizes architectural clarity, team growth, and balancing speed with compliance. The position is remote within the U.S., with some in-person collaboration. Upstart offers competitive compensation, comprehensive health benefits, 401(k) matching, stock options, and various wellness and leave programs.Requirements:<ul><li> 10–15 years of software engineering experience, with 4–7 years in engineering management roles.</li><li> Deep technical expertise in distributed systems, APIs, and systems design.</li><li> Proven experience leading teams in regulated domains such as fintech, payments, or lending.</li><li> Demonstrated ability to define and deliver complex technical strategies that align with business goals.</li><li> Strong track record of building high-performing teams and mentoring engineering leaders.</li><li> Excellent communication and cross-functional collaboration skills.</li><li> Experience integrating with external payment networks and building highly reliable payment systems.</li><li> Familiarity with data consistency models, reconciliation workflows, and transaction observability.</li><li> Systems thinker with a bias for action—capable of moving quickly while maintaining compliance and quality.</li><li> Experience working in consumer-facing domains with a strong empathy for user experience.</li><li> Proven ability to lead platform migration or modernization efforts while minimizing risk.</li></ul>Benefits:<ul><li> Competitive Compensation (base + bonus & equity)</li><li> Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart</li><li> 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings</li><li> Employee Stock Purchase Plan (ESPP)</li><li> Life and disability insurance</li><li> Generous holiday, vacation, sick and safety leave</li><li> Supportive parental, family care, and military leave programs</li><li> Annual wellness, technology & ergonomic reimbursement programs</li><li> Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering</li><li> Catered lunches + snacks & drinks when working in offices</li></ul>

Senior Manager, Software Engineering - Payments and Experience Lead the engineering team responsible for payments and borrower experience infrastructure at Upstart, focusing on scalability, reliability, and compliance. Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company leverages AI to improve approval rates and reduce losses, providing a digital-first lending experience. The Senior Engineering Manager for Payments will lead a team of over 12 engineers, focusing on scalable, reliable payment infrastructure, and will work closely with product, risk, and operations teams to deliver impactful solutions. The role emphasizes architectural clarity, team growth, and balancing speed with compliance. The position is remote within the U.S., with some in-person collaboration. Upstart offers competitive compensation, comprehensive health benefits, 401(k) matching, stock options, and various wellness and leave programs. Senior Manager, Software Engineering - Payments and Experience Engineer Upstart Financial Services Fintech Consumer Lending Artificial Intelligence

As Senior Manager of Software Engineering, you will oversee teams developing payment systems and borrower-facing features, driving technical strategy and operational excellence. The role involves collaboration across teams to enhance platform performance and support growth in a remote, U.S.-based environment.

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