Senior Software Engineer

Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for all Americans. The Senior Software Engineer will design and build internal applications that power critical bank functions, working across software systems and integrations to deliver scalable solutions.

Responsibilities:

• Design, build, and maintain internal software platforms that support risk, compliance, legal, and operational workflows across Upstart Bank
• Partner with cross-functional stakeholders to translate business requirements into scalable technical solutions and intuitive user experiences
• Develop and maintain APIs, integrations, and data workflows that connect internal systems with third-party platforms
• Design relational data models, authorization frameworks, audit capabilities, and background processing systems that support secure and reliable operations
• Write technical designs, architectural documentation, and implementation plans that establish durable engineering patterns and reduce future maintenance costs
• Contribute to technical decisions regarding system architecture, build-versus-buy evaluations, and long-term platform scalability

Requirements:

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 4+ years of software engineering experience
• Experience designing, building, and operating production web applications used by internal or external customers
• Experience designing relational database schemas and managing complex data models using PostgreSQL or a similar relational database
• Experience building and maintaining RESTful APIs, integrations, webhooks, or distributed system interfaces
• Experience implementing application security fundamentals, including authentication, role-based access control, audit logging, and schema migrations
• Knowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern web application frameworks
• Experience building internal tooling, workflow platforms, or operational software systems
• Familiarity with regulated environments such as financial services, banking, healthcare, or other compliance-driven industries
• Knowledge of governance, risk, and compliance (GRC) platforms, security tooling, or operational controls
• Ability to navigate ambiguous requirements and collaborate effectively with both technical and non-technical stakeholders