Software Engineer, Upstart Bank

Summary

Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. They are seeking a Software Engineer to design and build reliable backend software for Upstart Bank, collaborating with various teams to deliver scalable software in a regulated environment.

Responsibilities

• Design and build scalable backend systems, services, and APIs supporting Upstart Bank initiatives
• Deliver well-designed software across medium-sized engineering projects while collaborating with senior engineers
• Translate business, operational, and regulatory requirements into reliable, maintainable software
• Improve system reliability, observability, performance, and operational excellence across backend services
• Contribute to technical design discussions and continuously improve engineering quality
• Partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver high-quality software
• Uphold a high engineering bar through thoughtful implementation, testing, code review, and operational ownership
• Thrive in ambiguous environments while continuously growing technical ownership and engineering judgment

Skills

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience)
• 4+ years of backend or full-stack software engineering experience
• Experience building and operating production software systems
• Experience building scalable services, APIs, or web applications
• Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar
• Strong engineering fundamentals around software design, testing, debugging, and operational ownership
• Ability to operate effectively in ambiguous, cross-functional environments
• Experience working in fintech, financial services, payments, or another regulated industry
• Experience with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies
• Experience building reliable backend services, APIs, or platform software
• Experience modernizing existing systems or building new backend platforms
• Ability to collaborate effectively across Product, Compliance, Operations, and Engineering teams
• Curiosity, adaptability, and a desire to continuously learn new technologies and business domains

Qualifications

Must Haves

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience)
• 4+ years of backend or full-stack software engineering experience
• Experience building and operating production software systems
• Experience building scalable services, APIs, or web applications
• Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar
• Strong engineering fundamentals around software design, testing, debugging, and operational ownership
• Ability to operate effectively in ambiguous, cross-functional environments

Nice to Haves

• Experience working in fintech, financial services, payments, or another regulated industry
• Experience with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies
• Experience building reliable backend services, APIs, or platform software
• Experience modernizing existing systems or building new backend platforms
• Ability to collaborate effectively across Product, Compliance, Operations, and Engineering teams
• Curiosity, adaptability, and a desire to continuously learn new technologies and business domains

Benefits

• Target bonuses
• Equity compensation
• Generous benefits packages (including medical, dental, vision, and 401k)
• Base pay, bonus opportunities, and annual equity grants that vest quarterly
• 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!)