Senior Software Engineer - Partner Integrations and Origination Platform

Upstart is a leading AI lending marketplace dedicated to reducing the cost and complexity of borrowing for all Americans. The Senior Software Engineer will design and build scalable backend systems that support origination workflows, improve system reliability, and collaborate with various teams to enhance lending experiences.

Responsibilities:

• Design and build scalable backend services and platform capabilities that support origination workflows across multiple products and lending partners
• Improve the reliability, observability, and operational resilience of critical origination systems and APIs
• Refactor and decouple legacy systems to create reusable, product-agnostic platform infrastructure that scales across partner and product types
• Build orchestration and workflow solutions that streamline partner onboarding, reduce manual operational work, and improve system consistency
• Collaborate closely with Engineering, Product, Lending Partnerships, Compliance, Legal, and Loan Sales teams to deliver secure and scalable lending experiences
• Drive technical design discussions, author design documents, and contribute to engineering best practices for system quality, monitoring, and operational excellence
• Use AI-assisted development tools and automation thoughtfully to improve engineering productivity and reduce repetitive workflows
• Participate in operational support and incident response, helping identify root causes and implement long-term system improvements

Requirements:

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or its equivalent) and 4+ years of software engineering experience
• 6+ years of experience building and operating backend services, APIs, or data-intensive systems in production environments
• Experience owning software through the full development lifecycle, including design, implementation, deployment, monitoring, and on-call support
• Proficiency with at least one modern backend development framework or programming language; experience with Ruby on Rails or the ability to ramp quickly in a Ruby-based codebase
• Experience designing distributed systems, service integrations, or workflow-based architectures that support scalability and reliability
• Experience working in fintech, lending, banking, or capital markets environments with high expectations for data accuracy, auditability, and system reliability
• Knowledge of orchestration platforms or workflow engines such as Temporal
• Ability to identify operational inefficiencies and build scalable automation or self-service tooling to improve engineering workflows
• Skills in system observability, incident analysis, and production monitoring practices
• Experience using AI-assisted development tools, automation frameworks, or AI agents to improve software engineering productivity and operational efficiency