Upstart

Senior Software Engineer, Upstart Bank

United States | Remote · Senior

Sponsorship not specified$167k-$242kDetected 12 days ago

PythonJavaKotlinDistributed SystemsBackend DevelopmentFull-Stack DevelopmentCode ReviewCloud PlatformsgRPCKafkaSparkA/B TestingCadenceCommunication

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 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
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
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.

Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
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

Experience working in fintech, banking infrastructure, payments, or other regulated financial systems
Familiarity with distributed systems, event-driven architectures, and communication frameworks such as Kafka or gRPC
Experience working across both backend services and user-facing application layers
Time zone requirements The team operates on the East/West coast time zones.

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

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 - $242,400 USD

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

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.
Translate business, operational, and regulatory requirements into reliable, maintainable software
Improve system reliability, performance, observability, and data consistency across distributed services and integrations
Uphold a high engineering bar through strong implementation, code review, testing, and operational ownership
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.

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