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Upstart Jobs (NOW HIRING)

Upstart

Software Engineer, Upstart Bank

OR · On-site +1

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 ...

Upstart

Software Engineer, Upstart Bank

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 ...

Upstart

Software Engineer, Upstart Bank

OR · On-site +1

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 ...

Upstart

Senior Software Engineer, Upstart Bank

$125K - $165K/yr

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 ...

Upstart

Senior Software Engineer, Upstart Bank

OR · On-site +1

$122K - $161K/yr

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 ...

Upstart

Senior Software Engineer, Upstart Bank

OR · On-site +1

$122K - $161K/yr

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 ...

Upstart

Senior Engineering Manager, Upstart Bank

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 ...

Upstart

Senior Engineering Manager, Upstart Bank

OR · On-site +1

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 ...

Upstart

Senior Software Engineer, Upstart Bank

$125K - $165K/yr

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 ...

Upstart

$200 - $250/hr

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 ...

Upstart

Senior Software Engineer, Site Reliability

$58.25 - $77.50/hr

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 ...

Upstart

Senior Software Engineer, Site Reliability

OR · On-site +1

$57 - $75.75/hr

The Team Upstart's Site Reliability Engineering (SRE) team owns the reliability, resiliency, and observability of Upstart's production systems. The SRE team builds tooling and automation to monitor ...

Upstart

Principal Product Manager, Monetization

OR · On-site +1

Upstart's Marketplace Optimization team builds and scales systems that clear Upstart's marketplace by balancing tradeoffs for borrowers, lenders, investors, and Upstart. We enable borrowers to access ...

Upstart

Director, Consumer Credit Portfolio Solutions

OR · On-site +1

The Team Upstart is transforming how banks and credit unions build and manage consumer credit portfolios. As Director, Consumer Credit Portfolio Solutions, you will partner with executive leaders at ...

Upstart

Principal Product Manager, Monetization

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 ...

Upstart

Staff Machine Learning Model Risk Specialist

$100K/yr

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 ...

Upstart

$200 - $250/hr

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 ...

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Upstart information

See salary details

$25.5K

$66.8K

$91.5K

How much do upstart jobs pay per year?

As of Sep 8, 2026, the average yearly pay for upstart in the United States is $66,775.00, according to ZipRecruiter salary data. Most workers in this role earn between $31,500.00 and $83,500.00 per year, depending on experience, location, and employer.

What is an Upstart?

Upstart jobs typically refer to roles available at Upstart, a financial technology company that uses artificial intelligence and machine learning to provide personal loans and other financial solutions. Employees at Upstart work in various fields, including software engineering, data science, product management, marketing, and customer support. Upstart jobs often focus on innovation, problem-solving, and improving access to credit by leveraging technology. The company is known for its collaborative culture and opportunities for professional growth. Working at Upstart can be rewarding for those interested in fintech and making a positive impact on financial services.

What are the key skills and qualifications needed to thrive as an Upstart employee?

To thrive at Upstart, you typically need a background in data analysis, finance, computer science, or a related field, often supported by a relevant degree or experience. Familiarity with technical tools such as SQL, Python, machine learning platforms, and CRM systems is highly valued. Strong problem-solving skills, adaptability, and effective communication help individuals excel in a fast-paced, innovative environment. These skills are crucial for driving technological advancements, optimizing lending processes, and delivering excellent customer experiences in the fintech sector.

What are some common challenges faced by Upstart loan underwriters, and how can they overcome them?

Upstart loan underwriters often encounter challenges such as assessing non-traditional credit data, managing high application volumes, and maintaining accuracy under tight deadlines. To overcome these hurdles, underwriters rely on Upstart's proprietary AI models, collaborate closely with data science and risk management teams, and continuously update their knowledge of lending regulations. Strong communication skills and adaptability are key to efficiently navigating evolving underwriting processes and ensuring fair lending decisions.

What is the difference between Upstart vs Loan Officer?

AspectUpstartLoan Officer
Required CredentialsHigh school diploma or equivalent; some roles may prefer a bachelor's degreeHigh school diploma or equivalent; often requires licensing or certification
Work EnvironmentOnline platform, remote or office-basedBank or lending institution, office or remote
Industry UsageFintech, online lendingBanking, mortgage, consumer lending
Common Search IntentCompare online lending platformsCompare lending careers or roles in banking

Upstart is a fintech company specializing in online personal loans, often employing data-driven algorithms. Loan Officers work in traditional financial institutions, assessing loan applications and guiding clients through the lending process. While both roles involve lending, Upstart focuses on digital platforms, whereas Loan Officers are typically employed in banks or credit unions. Understanding these differences helps job seekers find roles aligned with their skills and career goals.

What cities are hiring for Upstart jobs?

Cities with the most Upstart job openings:

What states have the most Upstart jobs?

States with the most job openings for Upstart jobs include:

What job categories do people searching Upstart jobs look for?

The top searched job categories for Upstart jobs are:

Upstart jobs near you
Infographic showing various Upstart job openings in the United States as of August 2026, with employment types broken down into 98% Full Time, 1% Part Time, and 1% Temporary. Highlights an 54% Physical, 3% Hybrid, and 43% Remote job distribution, with an average salary of $66,775 per year, or $32.1 per hour.

Software Engineer, Upstart Bank

Upstart

OR • On-site, Remote

Full-time

Re-posted 25 days ago

Key responsibilities

  • Design, build, test, and maintain scalable backend systems, services, and APIs supporting Upstart Bank initiatives

  • Translate business, operational, and regulatory requirements into reliable, maintainable software

  • Collaborate closely with cross-functional teams to deliver high-quality software

Upstart rating

7.6

Company rating: 7.6 out of 10

Based on 6 frontline employees who took The Breakroom Quiz

Job description

The Team: 

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, compliance, and access to credit at scale.

As a Software Engineer I on the Upstart Bank team, you will help design, build, and maintain reliable backend software that enables Upstart Bank to launch and scale successfully. Engineers work across a variety of Bank initiatives while partnering closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver scalable software in a regulated environment.

This is a rare opportunity to help build one of the first modern AI-enabled national banks. The ideal engineer enjoys solving backend engineering problems, thrives in ambiguous environments, and is excited to learn while helping shape the technology supporting Upstart Bank.

How you'll make an impact

  • Design, build, test, and maintain scalable backend systems, services, and APIs supporting Upstart Bank initiatives
  • Deliver high-quality software while partnering with senior engineers on medium-to-large engineering projects
  • Translate business, operational, and regulatory requirements into reliable, maintainable software
  • Improve system reliability, observability, and operational excellence across backend services
  • Participate in technical design discussions while growing engineering depth and technical ownership
  • Collaborate closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver high-quality software
  • Uphold a high engineering bar through thoughtful implementation, testing, code review, and operational ownership
  • Demonstrate curiosity, adaptability, and a willingness to learn while contributing to a growing engineering organization

Minimum Qualifications 

  • Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience)
  • 2+ years of software engineering experience
  • Experience building production backend or full-stack software systems
  • Experience working with APIs, backend services, or web applications
  • Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar
  • Strong engineering fundamentals around software design, testing, debugging, and operational ownership
  • Ability to work effectively in ambiguous, cross-functional environments

Preferred Qualifications

  • Experience working in fintech, financial services, payments, or another regulated industry
  • Familiarity with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies
  • Experience building reliable backend services, APIs, or platform software
  • Experience collaborating across Product, Compliance, Operations, and Engineering teams
  • Proven ability to thrive in collaborative, self-directed, remote, and in-person environments
  • Curiosity, adaptability, and a desire to continuously learn new technologies and business domains

Position location This role is available in the following locations: Remote [A specific city/location is not required if the role does not have an in-person requirement]

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 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 --> use for L3, L4

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