Software Engineer, Upstart Bank

Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The Software Engineer I will design, build, and maintain backend software to support Upstart Bank's initiatives, collaborating closely with various teams to deliver scalable software in a regulated environment.

Responsibilities:

• Design, build, test, and maintain scalable backend systems, services, and APIs supporting Upstart Bank initiatives
• Deliver high-quality software while partnering with senior engineers on medium-to-large engineering projects
• Translate business, operational, and regulatory requirements into reliable, maintainable software
• Improve system reliability, observability, and operational excellence across backend services
• Participate in technical design discussions while growing engineering depth and technical ownership
• Collaborate closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver high-quality software
• Uphold a high engineering bar through thoughtful implementation, testing, code review, and operational ownership
• Demonstrate curiosity, adaptability, and a willingness to learn while contributing to a growing engineering organization

Requirements:

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience)
• 2+ years of software engineering experience
• Experience building production backend or full-stack software systems
• Experience working with APIs, backend services, or web applications
• Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar
• Strong engineering fundamentals around software design, testing, debugging, and operational ownership
• Ability to work effectively in ambiguous, cross-functional environments
• Experience working in fintech, financial services, payments, or another regulated industry
• Familiarity with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies
• Experience building reliable backend services, APIs, or platform software
• Experience collaborating across Product, Compliance, Operations, and Engineering teams
• Proven ability to thrive in collaborative, self-directed, remote, and in-person environments
• Curiosity, adaptability, and a desire to continuously learn new technologies and business domains