Design and build backend services that power verification orchestration, risk evaluation, and automated approval decisions.
Develop and evolve rule engines and decisioning systems to increase automation coverage across products.
Integrate external data providers (e.g., Plaid) into resilient, scalable workflows.
Improve document automation pipelines including classification, extraction, and fraud detection systems.
Build and maintain APIs, Kafka events, and service contracts that enable product teams to consume verification capabilities.
Partner with ML engineers to productionize risk models and ensure decision correctness at scale.
Contribute to platformization efforts to standardize Verifications stages and enable cross-product reuse.
Strengthen compliance, data integrity, and observability across verification systems.
Requirements
4+ years of professional software engineering experience.
Experience designing and building scalable backend systems in languages such as Java, Kotlin, Go, or Python.
Experience developing and operating distributed systems, including service-to-service APIs and event-driven architectures.
Experience contributing to a decision engine that integrates with machine learning models to evaluate signals..
Experience writing production-quality code with testing and monitoring.
Bachelor’s degree in Computer Science or equivalent practical experience.
Preferred Qualifications
Experience building rule engines, decisioning systems, or risk evaluation platforms.
Experience working with financial services, lending, fraud detection, or identity verification systems.
Experience integrating third-party APIs and external data providers.
Familiarity with workflow orchestration systems (e.g., Temporal).
Experience working with Kafka or event-driven systems.
Exposure to ML model integration in production systems.
Tech Stack
Distributed Systems
Java
Kafka
Kotlin
Python
Go
Benefits
Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options
Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short
and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
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
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 and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).