Software Engineer II – Verifications Decisioning

Role Overview

• 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!).