Software Engineer, Verifications Platform

Summary

Upstart is a leading AI lending marketplace dedicated to reducing the cost and complexity of borrowing for Americans. They are seeking a Software Engineer II to design and build backend services for automated verification workflows and financial data integrations, collaborating with various teams to enhance platform scalability and reliability.

Responsibilities

• Design, build, and maintain scalable backend services that power automated verification workflows, financial data integrations, and approval decisioning
• Develop distributed systems, APIs, and event-driven services that improve the scalability, reliability, and reuse of verification capabilities across multiple lending products
• Build platform capabilities that enable reusable financial data connections, streamline connection lifecycle management, and reduce operational overhead for internal engineering teams
• Partner with Machine Learning, Product, Risk, Fraud, and Compliance teams to integrate data, decisioning logic, and risk models into production systems while maintaining correctness and auditability
• Improve system reliability through comprehensive testing, monitoring, observability, and operational best practices for business-critical services
• Contribute to the evolution of the verification platform by improving architecture, engineering standards, and shared infrastructure that accelerates product development across Upstart

Skills

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 3+ years of professional software engineering experience
• 3+ years of experience developing backend applications using Kotlin, Java, or another object-oriented programming language
• Experience designing, building, and operating distributed systems, including service-to-service APIs and event-driven architectures
• Experience building and maintaining scalable backend services that process business-critical or financial data in production environments
• Experience contributing to decision engines that integrate with machine learning models to evaluate signals
• Experience writing production-quality code supported by automated testing, monitoring, and observability practices
• Knowledge of financial services, lending, fraud prevention, identity verification, or other risk-sensitive systems
• Experience integrating third-party financial data providers or APIs such as Plaid or similar platforms
• Experience building rule engines, workflow orchestration platforms, or automated decisioning systems
• Knowledge of how machine learning models are integrated, monitored, and evaluated within production systems
• Experience building reusable platform services or shared infrastructure supporting multiple engineering teams

Qualifications

Must Haves

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 3+ years of professional software engineering experience
• 3+ years of experience developing backend applications using Kotlin, Java, or another object-oriented programming language
• Experience designing, building, and operating distributed systems, including service-to-service APIs and event-driven architectures
• Experience building and maintaining scalable backend services that process business-critical or financial data in production environments
• Experience contributing to decision engines that integrate with machine learning models to evaluate signals
• Experience writing production-quality code supported by automated testing, monitoring, and observability practices

Nice to Haves

• Knowledge of financial services, lending, fraud prevention, identity verification, or other risk-sensitive systems
• Experience integrating third-party financial data providers or APIs such as Plaid or similar platforms
• Experience building rule engines, workflow orchestration platforms, or automated decisioning systems
• Knowledge of how machine learning models are integrated, monitored, and evaluated within production systems
• Experience building reusable platform services or shared infrastructure supporting multiple engineering teams

Benefits

• Target bonuses
• Equity compensation
• Generous benefits packages (including medical, dental, vision, and 401k)
• 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!)