Upstart Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing and access to credit at scale.
As a Senior Software Engineer on the Upstart Bank team, you will design and build systems that enable Upstart Bank to operate at scale. Depending on the team, your work may span funding, payments, reporting, partner integrations, and internal operational workflows. You’ll help build reliable, audit-ready software in a regulated environment while supporting seamless borrower and partner experiences.
- Design and build scalable systems, services, and user-facing workflows that support Upstart Bank’s core platform and operations
- Own technical design and delivery for medium-to-large engineering projects spanning multiple quarters
- Translate business, operational, and regulatory requirements into reliable, maintainable software
- Improve system reliability, performance, observability, and data consistency across distributed services and integrations
- Contribute to architecture and design discussions, helping systems evolve for scale, auditability, and long-term maintainability
- Partner with product, compliance, operations, and other engineers to deliver high-quality solutions in a regulated environment
- Uphold a high engineering bar through strong implementation, code review, testing, and operational ownership
- Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
- Experience building and operating production software systems in backend or full-stack environments
- Experience building scalable services, APIs, or web applications in cloud environments
- Experience owning the technical delivery of medium-to-large engineering projects spanning multiple quarters
- Proficiency in at least one modern programming language such as Python, Java, or Kotlin
- Experience working in fintech, banking infrastructure, payments, or other regulated financial systems
- Familiarity with distributed systems, event-driven architectures, and communication frameworks such as Kafka or gRPC
- Experience building systems that support reliability, auditability, and strong operational controls
- Experience working with reporting pipelines, financial data flows, partner integrations, or internal operational tooling
- Ability to collaborate effectively with product, compliance, operations, and engineering partners
- Experience working across both backend services and user-facing application layers
- Proven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settings.
Time zone requirements The team operates on the East/West coast time zones.