Senior Software Engineer, Upstart Bank

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team:

Upstart Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing and access to credit at scale.

As a Senior Software Engineer on the Upstart Bank team, you will design and build systems that enable Upstart Bank to operate at scale. Depending on the team, your work may span funding, payments, reporting, partner integrations, and internal operational workflows. You’ll help build reliable, audit-ready software in a regulated environment while supporting seamless borrower and partner experiences.

How you’ll make an impact

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

Minimum Qualifications

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

Preferred Qualifications

Experience working in fintech, banking infrastructure, payments, or other regulated financial systems