Sr Software Engineer - Lending Platform

Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The Senior Software Engineer will design and deliver systems that process large volumes of financial data, enhancing the reliability of Upstart's financial operations and supporting automation in accounting and capital risk workflows.

Responsibilities:

• Design, build, and operate distributed, event-driven systems that power accounting close automation and capital risk workflows
• Deliver scalable data processing solutions that transform high-volume financial events into accurate, reliable business outcomes
• Partner closely with Product, Data Analytics, Finance, and Engineering teams to define technical solutions for complex financial processes
• Improve the reliability, scalability, and maintainability of critical financial systems while thoughtfully managing technical debt
• Lead multi-quarter engineering initiatives from architecture through production, balancing long-term platform investments with business priorities
• Leverage AI-assisted development tools to improve engineering productivity while maintaining high standards for quality, security, and correctness

Requirements:

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related technical field (or equivalent practical experience)
• 4+ years of professional software engineering experience building and operating production systems. (L5 standard)
• Experience designing and building distributed, event-driven applications in cloud environments such as AWS
• Experience developing scalable backend services that process large volumes of data using modern programming languages
• Experience designing, testing, and deploying reliable production systems using software engineering best practices
• Knowledge of financial systems, accounting processes, or capital risk management
• Experience building high-throughput data processing or event streaming platforms
• Ability to design systems that balance scalability, maintainability, and long-term operational efficiency
• Experience collaborating across engineering, product, analytics, and business stakeholders to deliver complex technical initiatives
• Curiosity for applying generative AI tools to accelerate software development and improve engineering effectiveness