Software Engineer, Distribution Platform

Overview 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. We’re digital-first and offer flexibility to work from anywhere, with collaboration across 80+ cities in the US and Canada. In-person connections are encouraged via team onsites and planning sessions. You may work primarily from home or from offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026). 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 Distribution Platform team is developing innovative solutions and strategies that drive efficient and scalable marketing outreach, empowering us to effectively engage with our users while impacting Upstart's mission and growth. The team handles high-value distribution channels including digital ads, direct mail, and partner integrations. Our goal is to build an intelligent, unified system that learns, automates, and scales how Upstart engages with customers across these channels. As a Software Engineer on the Distribution Platform team at Upstart, you will help create tools and systems to target the right users with the right content at the right time. You will work with cross-functional partners in Analytics, Marketing, Machine Learning, and Product to build a scalable marketing platform that mobilizes Upstart’s owned channels to drive users to our products efficiently. How you’ll make an impact Work with cross-functional partners including product managers, designers, machine learning engineers, analytics, and marketing managers to design and deliver high-quality products across various marketing channels Design and build technology for serving marketing content to users in a scalable and efficient manner Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base Minimum Qualifications 4+ years of professional software development experience Strong proficiency in one or more programming languages such as Ruby, Java, Kotlin, Python, or JavaScript Experience building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP) Experience leading small to medium sized projects over multiple months and/or multiple engineers Excellent written and verbal communication skills with the ability to work in a distributed team Preferred Qualifications Experience working on systems that integrate with 3rd parties and/or ingest, store, expose large amounts of data Experience with SQL, data warehouses, or other database technologies Professional experience with digital advertising platforms like Google Ads or Meta Ads Professional experience working with Ruby on Rails and/or Kotlin Experience or interest in working with React, TypeScript, or front end technologies Experience working with marketing technology or growth engineering Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-Associate Compensation and benefits 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

$142,000—$196,000 USD

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 #J-18808-Ljbffr Upstart