Software Engineer

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. 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. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. 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. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. 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. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. 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. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart’s Partner Integrations and Origination Platform team builds and scales the systems that power loan originations across products and lending partners. The team focuses on improving reliability, observability, and scalability across origination workflows while enabling new funding sources and supporting Upstart’s broader platform evolution. As a Senior Software Engineer (L5) at Upstart, you will design and build scalable backend systems that simplify and standardize origination flows across products and partner types. You’ll help modernize foundational infrastructure, reduce operational complexity, and create extensible platform capabilities that allow teams to onboard new partners and launch new lending experiences more efficiently. How you’ll make an impact Design and build scalable backend services and platform capabilities that support origination workflows across multiple products and lending partners Improve the reliability, observability, and operational resilience of critical origination systems and APIs Refactor and decouple legacy systems to create reusable, product-agnostic platform infrastructure that scales across partner and product types Build orchestration and workflow solutions that streamline partner onboarding, reduce manual operational work, and improve system consistency Collaborate closely with Engineering, Product, Lending Partnerships, Compliance, Legal, and Loan Sales teams to deliver secure and scalable lending experiences Drive technical design discussions, author design documents, and contribute to engineering best practices for system quality, monitoring, and operational excellence Use AI-assisted development tools and automation thoughtfully to improve engineering productivity and reduce repetitive workflows Participate in operational support and incident response, helping identify root causes and implement long-term system improvements Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or its equivalent) and 4+ years of software engineering experience 6+ years of experience building and operating backend services, APIs, or data-intensive systems in production environments Experience owning software through the full development lifecycle, including design, implementation, deployment, monitoring, and on-call support Proficiency with at least one modern backend development framework or programming language; experience with Ruby on Rails or the ability to ramp quickly in a Ruby-based codebase Experience designing distributed systems, service integrations, or workflow-based architectures that support scalability and reliability Preferred Qualifications Experience working in fintech, lending, banking, or capital markets environments with high expectations for data accuracy, auditability, and system reliability Knowledge of orchestration platforms or workflow engines such as Temporal Ability to identify operational inefficiencies and build scalable automation or self-service tooling to improve engineering workflows Skills in system observability, incident analysis, and production monitoring practices Experience using AI-assisted development tools, automation frameworks, or AI agents to improve software engineering productivity and operational efficiency 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. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $166,900 - $230,900 USD 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. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Canada | Remote - Anticipated Base Salary Range $166,900 - $230,900 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: 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!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email View email address on click.appcast.io