Note: The job is a remote job and is open to candidates in USA. Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit through technology. The Senior Software Engineer will design and build internal applications, platforms, integrations, and automation supporting risk, compliance, legal, and operational workflows for Upstart Bank.
Responsibilities
- Design, build, and maintain internal software platforms that support risk, compliance, legal, and operational workflows across Upstart Bank
- Partner with cross-functional stakeholders to translate business requirements into scalable technical solutions and intuitive user experiences
- Develop and maintain APIs, integrations, and data workflows that connect internal systems with third-party platforms
- Design relational data models, authorization frameworks, audit capabilities, and background processing systems that support secure and reliable operations
- Write technical designs, architectural documentation, and implementation plans that establish durable engineering patterns and reduce future maintenance costs
- Contribute to technical decisions regarding system architecture, build-versus-buy evaluations, and long-term platform scalability
Skills
- Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 4+ years of software engineering experience
- Experience designing, building, and operating production web applications used by internal or external customers
- Experience designing relational database schemas and managing complex data models using PostgreSQL or a similar relational database
- Experience building and maintaining RESTful APIs, integrations, webhooks, or distributed system interfaces
- Experience implementing application security fundamentals, including authentication, role-based access control, audit logging, and schema migrations
- Knowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern web application frameworks
- Experience building internal tooling, workflow platforms, or operational software systems
- Familiarity with regulated environments such as financial services, banking, healthcare, or other compliance-driven industries
- Knowledge of governance, risk, and compliance (GRC) platforms, security tooling, or operational controls
- Ability to navigate ambiguous requirements and collaborate effectively with both technical and non-technical stakeholders
Benefits
- Remote work flexibility under Upstart's digital-first philosophy, with most employees able to work from anywhere in the U.S.
- Bonus opportunities and annual equity grants that vest quarterly
- 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, including medical, dental, vision, and wellness resources for US employees, and supplemental health coverage for Canada
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Life insurance and disability coverage
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (duration varies by country)
- Family-centered benefits supporting fertility, parenthood, and caregiving needs
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial planning tools and a financial concierge service (US Only)
- Annual wellness allowance to support physical and emotional well-being and personal development
- Annual productivity allowance for relevant tools and resources
- Team events, all-company updates, and employee resource groups (ERGs)
- Catered lunches and fully stocked micro-kitchens when working from offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026)
Company Overview
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