Upstart

Upstart

Software Engineer, Upstart Bank

United States | Remote

Sponsorship not specified$131k-$154kDetected 7 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, build, test, and maintain scalable backend systems, services, and APIs supporting Upstart Bank initiatives
  • Deliver high-quality software while partnering with senior engineers on medium-to-large engineering projects
  • Participate in technical design discussions while growing engineering depth and technical ownership
  • Collaborate 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)
  • 2+ years of software engineering experience
  • Experience working with APIs, backend services, or web applications
  • Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar
  • Ability to work effectively in ambiguous, cross-functional environments

Nice to have

  • Experience working in fintech, financial services, payments, or another regulated industry
  • Familiarity with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies
  • Experience collaborating across Product, Compliance, Operations, and Engineering teams
  • Curiosity, adaptability, and a desire to continuously learn new technologies and business domains

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
  • $130,800 - $153,900 USD

Benefits

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

Company info

  • 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 I on the Upstart Bank team, you will help design, build, and maintain 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 backend engineering problems, thrives in ambiguous environments, and is excited to learn while helping shape the technology supporting Upstart Bank.
  • Translate business, operational, and regulatory requirements into reliable, maintainable software
  • Improve system reliability, observability, and operational excellence across backend services
  • Uphold a high engineering bar through thoughtful implementation, testing, code review, and operational ownership
  • Demonstrate curiosity, adaptability, and a willingness to learn while contributing to a growing engineering organization
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This listing is sourced directly from Upstart's careers page and normalized into a canonical job model.