Senior Software Engineer, Core Platform

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:

As a member of our Servicing Engineering team, you will play a pivotal role in ensuring smooth loan management, optimizing collections, and cultivating strong customer relationships. Our team's primary objective is to develop a cutting-edge loan servicing platform, introduce business process automation, enhance efficiency, and deliver an intuitive user experience for both borrowers and internal stakeholders.

As a Senior Software Engineer on our Servicing Engineering team, you’ll work closely with cross-functional partners to identify areas for improvement, automate repetitive tasks, and implement scalable solutions. By optimizing workflows, integrating systems, and leveraging technology, we empower our servicing partners to prioritize high-value activities and deliver exceptional service to our customers. Your contributions will be instrumental in delivering exceptional customer experiences, while driving continuous improvement in our servicing capabilities to meet the growing demands of our unique role in the fintech ecosystem.

How you’ll make an impact

Lead successful cross-team and/or multi-quarter, multi-engineer projects

Move quickly to drive both existing and greenfield projects forward, while always keeping our end users in mind

Proactively search out ways to expand impact that extends well beyond the Jira board

Turn team-specific projects into opportunities to up-level the team and the org’s tech platform

Help us build our engineering team and make Upstart a genuinely awesome place to work

Minimum Qualifications

Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 5+ years of professional software engineering experience.

3+ years of experience developing backend applications using Kotlin, Java, or another object-oriented programming language.

Experience designing, building, and operating distributed systems, including service-to-service APIs and event-driven architectures.

Experience building and maintaining scalable backend services that process business-critical or financial data in production environments.

Experience contributing to decision engines that integrate with machine learning models to evaluate signals..

Experience writing production-quality code supported by automated testing, monitoring, and observability practices.

Preferred Qualifications

Experience working on systems that integrate with 3rd parties and/or ingest, store, expose large amounts of data

Experience with SQL, data warehouses, or other database technologies