Entry Level -Software Developer - Web Development

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. 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. 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. Upstart's Bank Technology team builds the software systems, automation, and internal platforms that enable Upstart Bank to operate efficiently, securely, and at scale. The team partners closely with stakeholders across risk, legal, compliance, and operations to replace manual processes with purpose-built solutions that support the bank's growth and regulatory requirements. As a Senior Software Engineer, you will design and build internal applications that power critical bank functions. You'll work across software systems, automation, integrations, and platform tooling, helping translate complex business requirements into scalable, maintainable solutions that deliver meaningful operational impact. Design, build, and maintain internal software platforms that support risk, compliance, legal, and operational workflows across Upstart Bank. Partner with cross-functional stakeholders to translate business requirements into scalable technical solutions and intuitive user experiences. Develop and maintain APIs, integrations, and data workflows that connect internal systems with third-party platforms. Design relational data models, authorization frameworks, audit capabilities, and background processing systems that support secure and reliable operations. Write technical designs, architectural documentation, and implementation plans that establish durable engineering patterns and reduce future maintenance costs. Contribute to technical decisions regarding system architecture, build-versus-buy evaluations, and long-term platform scalability. Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 4+ years of software engineering experience. Experience designing, building, and operating production web applications used by internal or external customers. Experience designing relational database schemas and managing complex data models using PostgreSQL or a similar relational database. Experience building and maintaining RESTful APIs, integrations, webhooks, or distributed system interfaces. Experience implementing application security fundamentals, including authentication, role-based access control, audit logging, and schema migrations. Knowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern web application frameworks. Experience building internal tooling, workflow platforms, or operational software systems. Familiarity with regulated environments such as financial services, banking, healthcare, or other compliance-driven industries. Knowledge of governance, risk, and compliance (GRC) platforms, security tooling, or operational controls. Remote [OPTIONAL] In-Office requirements. You will be required to work from the {insert location} office x days per week/month. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. LI-REMOTE #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. 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 $At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. 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 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 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. 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.