Upstart

Sr Software Engineer - Lending Platform

United States | Remote · Senior

Sponsorship not specified$167k-$231kDetected 12 days ago

Backend DevelopmentCloud PlatformsSparkData AnalysisLLMsA/B TestingDesign SystemsAccounting

About the role

Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
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.

Design, build, and operate distributed, event-driven systems that power accounting close automation and capital risk workflows.
Deliver scalable data processing solutions that transform high-volume financial events into accurate, reliable business outcomes.
Partner closely with Product, Data Analytics, Finance, and Engineering teams to define technical solutions for complex financial processes.
Lead multi-quarter engineering initiatives from architecture through production, balancing long-term platform investments with business priorities.

Bachelor's degree in Computer Science, Engineering, Mathematics, or a related technical field (or equivalent practical experience).
Experience designing, testing, and deploying reliable production systems using software engineering best practices.

Knowledge of financial systems, accounting processes, or capital risk management.
Curiosity for applying generative AI tools to accelerate software development and improve engineering effectiveness.
Travel requirements
As a digital-first company, the majority of your work can be accomplished remotely.

Improve the reliability, scalability, and maintainability of critical financial systems while thoughtfully managing technical debt.
Individual pay is also determined by job-related skills, experience, and relevant education or training.

Most employees live and work throughout the U.S. or Canada (outside Quebec) and come together for regular team onsites several times per year.
At Upstart, your base pay is one part of your total compensation package.
The anticipated base salary for this position is expected to be within the below range.
United States | Remote - Anticipated Base Salary Range
Canada | Remote - Anticipated Base Salary Range
Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Paid family and parental leave to support caregiving and major life moments (duration varies by country)
Family-centered benefits to support fertility, parenthood, and caregiving needs
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)

Upstart's Lending Platform team builds the systems that power critical financial operations across the company.
The team develops highly scalable, event-driven platforms that automate accounting close processes, capital risk workflows, and other finance capabilities that support the accuracy and integrity of Upstart's financial operations.
As a Senior Software Engineer, you'll design and deliver the core systems that process large volumes of financial data and events.
Your work will directly influence the reliability of Upstart's balance sheet, accelerate finance automation, and create a strong technical foundation for future investments across Treasury and other financial platforms.

This listing is sourced directly from Upstart's careers page and normalized into a canonical job model.