Senior Software Engineering - Telecommute

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 Lifecycle Platform team develops innovative solutions, strategies, and systems that enable personalized, timely communication with millions of current and prospective customers. We build and scale the platforms behind preference management, email, SMS, push notifications, and emerging channels-ensuring the right message reaches the right user at the right time.
As a Software Engineer II on the team, you will be part of the broader Growth organization and partner closely with Lifecycle Marketing, Distribution, Insights, Data Platform, Analytics, and ML teams. We are the technical thought leaders and subject matter experts for outbound communications across the company. Our mission is to design and operate the infrastructure that transforms rich customer data into actionable, high-impact engagement.
We deploy frequently, unblock ourselves, and hold a high bar for accountability. We are not a siloed engineering team-we collaborate deeply with cross-functional stakeholders and play a central role in shaping the future of Upstart's marketing platforms.
Design and build scalable backend services that power our unified communications platform across SMS, email, push, and future channels.
Develop systems for real-time, event-triggered messaging and self-serve marketing automation and experimentation capabilities.
Translate large, complex datasets into high-leverage marketing capabilities through APIs, streaming pipelines, and reverse ETL workflows.
Partner closely with product managers, lifecycle marketing, data insights, analytics, and data platform teams to define requirements and deliver impactful, data-driven solutions.
Lead medium-sized projects independently-proactively identifying risks, managing ambiguity, and driving execution from design through launch.
Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
Experience building and operating microservices and APIs in a cloud environment (preferably AWS).
Proficiency in at least one backend language such as Kotlin, Java, Ruby, or Python.
Demonstrated ability to independently execute on projects, navigate ambiguity, and collaborate effectively with cross-functional partners.
Experience supporting Marketing, Growth, or GTM teams, particularly in environments involving CDPs, customer segmentation, or campaign orchestration.
Hightouch, Census), data pipeline tooling (e.g., Airbyte, Fivetran, Databricks), or marketing automation platforms (e.g.,Iterable, Braze, or Salesforce Marketing Cloud).
Experience integrating with third-party APIs and building systems that ingest, transform, and expose large volumes of data.
Track record of leading medium-to-large projects and contributing to system design decisions with long-term platform impact.
Remote
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. 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.