[Remote] Senior Software Engineer, Upstart Bank

Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for all Americans. As a Senior Software Engineer on the Upstart Bank team, you will design and build systems that enable Upstart Bank to operate at scale, improving system reliability and supporting seamless borrower and partner experiences.ResponsibilitiesDesign and build scalable systems, services, and user-facing workflows that support Upstart Bank’s core platform and operationsOwn technical design and delivery for medium-to-large engineering projects spanning multiple quartersTranslate business, operational, and regulatory requirements into reliable, maintainable softwareImprove system reliability, performance, observability, and data consistency across distributed services and integrationsContribute to architecture and design discussions, helping systems evolve for scale, auditability, and long-term maintainabilityPartner with product, compliance, operations, and other engineers to deliver high-quality solutions in a regulated environmentUphold a high engineering bar through strong implementation, code review, testing, and operational ownershipSkillsBachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experienceExperience building and operating production software systems in backend or full-stack environmentsExperience building scalable services, APIs, or web applications in cloud environmentsExperience owning the technical delivery of medium-to-large engineering projects spanning multiple quartersProficiency in at least one modern programming language such as Python, Java, or KotlinExperience working in fintech, banking infrastructure, payments, or other regulated financial systemsFamiliarity with distributed systems, event-driven architectures, and communication frameworks such as Kafka or gRPCExperience building systems that support reliability, auditability, and strong operational controlsExperience working with reporting pipelines, financial data flows, partner integrations, or internal operational toolingAbility to collaborate effectively with product, compliance, operations, and engineering partnersExperience working across both backend services and user-facing application layersProven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settingsBenefitsTarget bonusesEquity compensationGenerous benefits packages (including medical, dental, vision, and 401k)Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterlyRetirement 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 securityPaid time off, sick leave, and company holidays, in line with local requirementsPaid family and parental leave to support caregiving and major life moments (duration varies by country)Family-centered benefits to support fertility, parenthood, and caregiving needsEmployee Assistance Program (EAP) offering mental health support and life-centered resourcesFinancial 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 youAnnual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work fromConnection 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!)Company OverviewUpstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is https://upstart.com/about.