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Senior Software Engineer, Upstart Bank

OR ยท On-site +1

$122.40K - $161.30K/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 ...

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 ...

Senior Software Engineer, Upstart Bank

$125.40K - $165.30K/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 ...

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 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 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 ...

OR ยท On-site

$114.40K - $156.80K/yr

Upstart's Security Engineering team is passionate about bringing progressive approaches to securing our products, infrastructure, platforms, and enterprise systems. We believe security should empower ...

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 ...

Senior Software Engineer, Site Reliability

OR ยท 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's Capital Markets team plays a pivotal role in securing loan funding capital for ou r AI lending marketplace. We collaborate with leading institutional investors across a diverse range of ...

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 ...

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 ...

SecOps Engineer

$111.90K - $155K/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 ...

Recruiting Coordinator (Contract)

$20.50 - $27.50/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 ...

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 ...

OR

$114.40K - $156.80K/yr

The Team Upstart's Security Engineering team protects Upstart's people, systems, products, and data by building and operating security capabilities that reduce risk across the company. The team works ...

The Team Upstart's Communications team shapes how our story shows up in the market, with a focus on building trust, clarity, and relevance across external audiences. The team partners closely with ...

Senior Software Engineer - Pricing

OR ยท On-site +1

$122.40K - $161.30K/yr

The Team Upstart's Core Pricing team drives key initiatives that directly influence Upstart's revenue streams and product strategies. This includes developing the common systems used to calculate ...

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    Infographic showing various job openings at Upstart in the United States as of May 2026, with employment types broken down into 100% Full Time. Highlights an 7% Physical, and 93% Remote job distribution.
    Senior Software Engineer, Upstart Bank

    Senior Software Engineer, Upstart Bank

    Upstart

    On-site, Remote

    $122.40K - $161.30K/yr

    Other

    Posted 13 days ago


    Job description

    The Team:ย 

    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.


    How you'll make an impact

    • 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

    Minimum Qualificationsย 

    • 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

    Preferred Qualifications

    • 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.

    Position location This role is available in the following locations: Remote

    Time zone requirements The team operates on the East/West coast time zones.

    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-MidSenior