Senior Software Engineer, Cash Line

Upstart is a leading AI lending marketplace dedicated to reducing the cost and complexity of borrowing for all Americans. They are seeking a Senior Software Engineer for their Cash Line team to design and deliver backend systems for a new consumer revolving credit product, leveraging AI-driven solutions and collaborating closely with cross-functional teams.

Responsibilities:

• Design and deliver production grade backend systems that power a new consumer revolving credit product
• Own services that support underwriting, pricing, line management, transactions, ledgering, and servicing with strong guarantees around correctness, reliability, and observability
• Break down ambiguous product and economic requirements into clear technical designs and milestones, driving projects independently from design through launch and iteration
• Partner with machine learning engineers to productionize models and integrate AI driven decisioning into real time user flows with strict latency and reliability constraints
• Collaborate closely with mobile engineers to ensure backend systems support seamless, high quality consumer experiences
• Contribute to architectural decisions in a greenfield environment while integrating thoughtfully with Upstart’s broader lending platform
• Apply generative AI in practical ways, shaping customer facing AI features as well as internal tooling, automation, testing, and developer productivity workflows
• Raise the bar for engineering rigor through strong API contracts, data modeling, testing strategy, monitoring, and operational excellence

Requirements:

• Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
• Strong experience designing distributed systems and event driven architectures, including handling real world concerns such as idempotency, retries, race conditions, data consistency, and failure recovery
• Proficiency in an object oriented programming language such as Python, Java, Kotlin, C#, or Ruby, and experience designing APIs and working with relational databases and caching layers
• Experience shipping consumer facing features end to end, with a clear understanding of performance, reliability, and user impact
• Fluency with generative AI systems in production, including hands on experience building, integrating, or operating Gen AI powered features or workflows
• Comfortable working with LLM APIs, prompt design, evaluation, guardrails, and monitoring in real world systems
• Demonstrated ability to operate autonomously, lead medium to large scoped projects, and make sound technical tradeoffs in ambiguous environments
• Strong communication skills and comfort collaborating closely with cross functional partners across product, finance, compliance, and operations
• Experience in fintech, credit, payments, or other regulated financial systems
• Familiarity with revolving credit products, transaction processing systems, or ledger based architectures
• Experience building systems that bridge consumer applications and capital markets or funding infrastructure
• Entrepreneurial mindset—comfortable in dynamic environments, with a bias toward action and ownership
• Strong product instincts and interest in understanding the economics behind pricing, risk, and unit economics
• Hands on experience applying generative AI to customer facing features, internal tools, or engineering workflows