Senior Software Engineer, White Label Platform

Role Description

As the Senior Software Engineer at Upstart, you will contribute to shape up the platform, collaborate with engineers and cross-functional teams such as Product, Pricing, Analytics, Lending Partnerships, and Capital Marketplace on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems.

How you’ll make an impact:

• Collaborate with product managers, engineers, and business stakeholders to deliver projects that align with business goals.
• Assist in the design, development, and maintenance of self-service tools that enhance the investor experience.
• Work with business stakeholders to identify opportunities for process optimization and build solutions that improve business workflows.
• Develop scalable, reliable systems that meet the needs of both internal users and external investors.
• Ensure security, performance, and availability of our critical platforms.
• Participate in code reviews, testing, and the deployment of high-quality code.

Qualifications

• 5+ years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs.
• Design, build, and maintain scalable APIs, services, and UIs that enable partners to access performance data, operational workflows, and program controls.
• Experience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python.
• Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment.
• Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar).
• Familiarity with database technologies such as SQL and data warehousing solutions.
• Good communication and teamwork skills, with the ability to work effectively with cross-functional teams.

Requirements

• Experience with building robust platform.
• Experience in capital markets, financial services, or a related industry, with a strong understanding of market structures and regulations.
• Prior experience or demonstrated enthusiasm for working on internal tools.
• History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person.
• Experience with Ruby on Rails, Kotlin, or React.

Benefits

• 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!).