Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. As a Senior Software Engineer, you will design and deliver core systems that process large volumes of financial data, directly influencing the reliability of Upstart's financial operations.

Responsibilities

• 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
• Improve the reliability, scalability, and maintainability of critical financial systems while thoughtfully managing technical debt
• Lead multi-quarter engineering initiatives from architecture through production, balancing long-term platform investments with business priorities
• Leverage AI-assisted development tools to improve engineering productivity while maintaining high standards for quality, security, and correctness

Skills

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related technical field (or equivalent practical experience)
• 4+ years of professional software engineering experience building and operating production systems. *(L5 standard)*
• Experience designing and building distributed, event-driven applications in cloud environments such as AWS
• Experience developing scalable backend services that process large volumes of data using modern programming languages
• Experience designing, testing, and deploying reliable production systems using software engineering best practices
• Knowledge of financial systems, accounting processes, or capital risk management
• Experience building high-throughput data processing or event streaming platforms
• Ability to design systems that balance scalability, maintainability, and long-term operational efficiency
• Experience collaborating across engineering, product, analytics, and business stakeholders to deliver complex technical initiatives
• Curiosity for applying generative AI tools to accelerate software development and improve engineering effectiveness

Benefits

• Target bonuses
• Equity compensation
• Generous benefits packages (including medical, dental, vision, and 401k)
• 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)
• Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
• Connection and community through team events, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)

Company Overview

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