Upstart

Upstart

Senior Software Engineer, White Label Platform

United States | Remote · Senior

Sponsorship not specified$167k-$231kDetected 12 days ago
PythonRubyKotlinReactNext.jsRailsDistributed SystemsFull-Stack DevelopmentCode ReviewSQLPostgreSQLAWSGCPAzureCloud PlatformsKafkaSparkA/B TestingProcess ImprovementCadenceCommunication

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.

Responsibilities

  • Collaborate with product managers, engineers, and business stakeholders to deliver projects that align with business goals
  • Assist in the design, development, and maintenance of self-service tools that enhance the investor experience
  • Work with business stakeholders to identify opportunities for process optimization and build solutions that improve business workflows
  • Develop scalable, reliable systems that meet the needs of both internal users and external investors
  • 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.
  • 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 (opening Summer 2026), you'll have the support to work in the way that works best for you.

Requirements

  • 5+ years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs
  • Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment
  • Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar)
  • Familiarity with database technologies such as SQL and data warehousing solutions
  • Good communication and teamwork skills, with the ability to work effectively with cross-functional teams
  • Experience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python

Nice to have

  • Experience with building robust platform
  • Experience in capital markets, financial services, or a related industry, with a strong understanding of market structures and regulations
  • Prior experience or demonstrated enthusiasm for working on internal tools
  • History of thriving in a variety of work environments: both collaborative and self-directed
  • Experience with Ruby on Rails, Kotlin, or React

Skills

  • Individual pay is also determined by job-related skills, experience, and relevant education or training.

Compensation

  • 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
  • $166,900 - $230,900 USD

Benefits

  • In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

Company info

  • The Capital Marketplace vertical is the fuel that powers Upstart's AI based lending operations.
  • Spread across multiple dynamic high performance teams; Capital Marketplace is in charge of onboarding and maintaining Capital Marketplace relations with both our Lending Partners and Investors.
  • The White Label Platform team owns the end to end white label offering at Upstart.
  • The team's mission is to make White Label offering increasingly configuration-driven and reusable, where onboarding new partners becomes more about enabling capabilities than building net-new flows every time.
  • This team is one of the pillars of the Capital Marketplace organization which is a B2B side of the business with direct impact to revenue.
  • As the Senior Software Engineer at Upstart, you will contribute to shape up the platform, collaborate with engineers and cross-functional teams such as Product, Pricing, Analytics, Lending Partnerships, and Capital Marketplace on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems.
  • Ensure security, performance, and availability of our critical platforms
  • Participate in code reviews, testing, and the deployment of high-quality code
  • As a digital first company, the majority of your work can be accomplished remotely.
  • Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers.
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This listing is sourced directly from Upstart's careers page and normalized into a canonical job model.