Senior Software Engineer

Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit through technology. The Senior Software Engineer will design and build internal applications, platforms, integrations, and automation supporting risk, compliance, legal, and operational workflows for Upstart Bank.

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