Software Engineer, Upstart Bank

Upstart is hiring a Software Engineer for its Upstart Bank team to build reliable backend software that supports the bank’s launch and growth. The role designs and operates scalable systems, services, and APIs while translating business and regulatory needs into maintainable software and collaborating across teams.

Responsibilities:

• Design and build scalable backend systems, services, and APIs supporting Upstart Bank initiatives
• Deliver well-designed software across medium-sized engineering projects while collaborating with senior engineers
• Translate business, operational, and regulatory requirements into reliable, maintainable software
• Improve system reliability, observability, performance, and operational excellence across backend services
• Contribute to technical design discussions and continuously improve engineering quality
• Partner 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
• Thrive in ambiguous environments while continuously growing technical ownership and engineering judgment

Requirements:

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience)
• 4+ years of backend or full-stack software engineering experience
• Experience building and operating production software systems
• Experience building scalable services, APIs, 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 operate effectively in ambiguous, cross-functional environments
• Experience working in fintech, financial services, payments, or another regulated industry
• Experience with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies
• Experience building reliable backend services, APIs, or platform software
• Experience modernizing existing systems or building new backend platforms
• Ability to collaborate effectively across Product, Compliance, Operations, and Engineering teams
• Curiosity, adaptability, and a desire to continuously learn new technologies and business domains