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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. But the numbers only hint at the impact. 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. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. 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.

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:

The Capital Marketplace vertical is the fuel that powers Upstart’s AI based lending operations. Spread across multiple dynamic high performance teams; Capital Marketplace is in charge of onboarding and maintaining Capital Marketplace relations with both our Lending Partners and Investors. The Partner Experience team owns the platform, tooling, and implementation work that makes it simple for Lending Partners to integrate with, configure, operate, and report on Upstart products (including white-label flows). We provide both our internal and external business partners with reports, forecasting, financial reporting and help optimize the connection between our customer base and the funding suppliers.

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, 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

Minimum 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

Preferred Qualifications

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

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$166,900—$230,900 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
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
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
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 and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).

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 candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy