Senior Software Engineer, Upstart Bank

Upstart is an AI lending marketplace focused on reducing the cost and complexity of borrowing and expanding access to credit. The Senior Software Engineer will design, build, and operate scalable, audit-ready systems for Upstart Bank, spanning areas such as funding, payments, reporting, partner integrations, and internal operational workflows.

Responsibilities:

• Design and build scalable systems, services, and user-facing workflows that support Upstart Bank’s core platform and operations
• Own technical design and delivery for medium-to-large engineering projects spanning multiple quarters
• Translate business, operational, and regulatory requirements into reliable, maintainable software
• Improve system reliability, performance, observability, and data consistency across distributed services and integrations
• Contribute to architecture and design discussions, helping systems evolve for scale, auditability, and long-term maintainability
• Partner with product, compliance, operations, and other engineers to deliver high-quality solutions in a regulated environment
• Uphold a high engineering bar through strong implementation, code review, testing, and operational ownership

Requirements:

• Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
• Experience building and operating production software systems in backend or full-stack environments
• Experience building scalable services, APIs, or web applications in cloud environments
• Experience owning the technical delivery of medium-to-large engineering projects spanning multiple quarters
• Proficiency in at least one modern programming language such as Python, Java, or Kotlin
• The team operates on the East/West coast time zones
• Experience working in fintech, banking infrastructure, payments, or other regulated financial systems
• Familiarity with distributed systems, event-driven architectures, and communication frameworks such as Kafka or gRPC
• Experience building systems that support reliability, auditability, and strong operational controls
• Experience working with reporting pipelines, financial data flows, partner integrations, or internal operational tooling
• Ability to collaborate effectively with product, compliance, operations, and engineering partners
• Experience working across both backend services and user-facing application layers
• Proven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settings
• This role is available in the following locations: Remote
• The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions' cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time