Upstart

Upstart

Software Engineer, Upstart Bank

United States | Remote

Sponsorship not specified$14k-$187kDetected 4 days ago
PythonJavaGoKotlinDistributed SystemsBackend DevelopmentFull-Stack DevelopmentCode ReviewgRPCKafkaSparkA/B TestingCadenceAdaptability

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

  • 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
  • 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
  • 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

  • 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
  • Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar
  • Ability to operate effectively in ambiguous, cross-functional environments

Nice to have

  • Experience working in fintech, financial services, payments, or another regulated industry
  • Experience with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies
  • Curiosity, adaptability, and a desire to continuously learn new technologies and business domains
  • Time zone requirements The team operates on the East/West coast time zones. [ Only use this section if there are specific time zone requirements that this role must work in
  • [OPTIONAL] In-Office requirements.

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

Benefits

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

Company info

  • 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.
  • Translate business, operational, and regulatory requirements into reliable, maintainable software
  • Improve system reliability, observability, performance, and operational excellence across backend services
  • 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
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This listing is sourced directly from Upstart's careers page and normalized into a canonical job model.