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, compliance, and access to credit at scale.

As a Software Engineer on the Upstart Bank team, you will design and build reliable backend software that enables Upstart Bank to launch and scale successfully. Engineers work across a variety of Bank initiatives while partnering closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver scalable software in a regulated environment.

This is a rare opportunity to help build one of the first modern AI-enabled national banks. The ideal engineer enjoys solving challenging backend problems, thrives in ambiguous environments, and is excited to help shape both the technology and engineering culture as Upstart Bank grows.

How you’ll make an impact

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

Minimum Qualifications

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