Software Engineer, Verifications Platform

Team Upstart's Verifications Decisioning Engineering team builds the backend platform that powers automated verification workflows, financial data integrations, fraud detection, and approval decisioning across our lending products. The team develops shared services and infrastructure enabling accurate, scalable, reusable verification capabilities, improving automation and funding while maintaining risk compliance. Software Engineer II (L4) As a Software Engineer II on the Verifications Decisioning team, you will design and build backend services that power verification workflows and financial data platforms used across multiple lending products. You'll work on distributed systems integrating third‑party financial data providers, machine learning models, and internal decisioning services while partnering closely with Product, Machine Learning, Risk, Fraud, and other engineering teams to improve automation and platform scalability. Responsibilities Design, build, and maintain scalable backend services that power automated verification workflows, financial data integrations, and approval decisioning. Develop distributed systems, APIs, and event‑driven services that improve scalability, reliability, and reusability of verification capabilities across multiple lending products. Build platform capabilities that enable reusable financial data connections, streamline connection lifecycle management, and reduce operational overhead for internal engineering teams. Partner with Machine Learning, Product, Risk, Fraud, and Compliance teams to integrate data, decisioning logic, and risk models into production systems while maintaining correctness and auditability. Improve system reliability through comprehensive testing, monitoring, observability, and operational best practices for business‑critical services. Contribute to the evolution of the verification platform by improving architecture, engineering standards, and shared infrastructure that accelerates product development across Upstart. Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 3+ years of professional software engineering experience. 3+ years of experience developing backend applications using Kotlin, Java, or another object‑oriented programming language. Experience designing, building, and operating distributed systems, including service‑to‑service APIs and event‑driven architectures. Experience building and maintaining scalable backend services that process business‑critical or financial data in production environments. Experience contributing to decision engines that integrate with machine learning models to evaluate signals. Experience writing production‑quality code supported by automated testing, monitoring, and observability practices. Preferred Qualifications Knowledge of financial services, lending, fraud prevention, identity verification, or other risk‑sensitive systems. Experience integrating third‑party financial data providers or APIs such as Plaid or similar platforms. Experience building rule engines, workflow orchestration platforms, or automated decisioning systems. Knowledge of how machine learning models are integrated, monitored, and evaluated within production systems. Experience building reusable platform services or shared infrastructure supporting multiple engineering teams. Position Location Remote Travel Requirements As a digital‑first company, the majority of work can be accomplished remotely. Employees may be expected to attend in‑person collaboration sessions once or twice per quarter, typically 2–4 consecutive days each time. Anticipated Base Salary Range

$142,000—$196,600 USD

Benefits Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly. Retirement benefits, 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 coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only). Income protection benefits, including life insurance and disability coverage. 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 physical and emotional well‑being and personal development. 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). On‑site perks, including catered lunches and fully stocked micro‑kitchens when working from offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026). Equal Opportunity Employer 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. Reasonable Accommodation 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. #J-18808-Ljbffr Upstart