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. The Senior Software Engineer will build and operate backend services, data pipelines, data models, and reporting infrastructure that provide accurate and reliable portfolio data to capital partners. The role also focuses on system reliability, cross-product platform capabilities, partner collaboration, and mentoring engineers.
Responsibilities
- Design and evolve backend services, data models, and reporting APIs that power partner-facing reporting across multiple lending products
- Build and maintain data pipelines and reporting systems that deliver accurate, timely loan and portfolio data under strict SLAs
- Improve system reliability and operational health by reducing incidents, automating manual processes, and strengthening observability
- Lead design and implementation of cross-product platform capabilities, including unified APIs and portals
- Partner with Capital Markets, Finance, and Data teams to define requirements, troubleshoot production issues, and deliver scalable solutions
- Identify structural inefficiencies in legacy systems and drive platform-level improvements that reduce operational burden
- Mentor engineers on best practices for data modeling, distributed systems design, and production operations in a regulated fintech environment
Skills
- Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) plus 4+ years of experience building and operating backend systems
- Experience with at least one modern backend stack (e.g., Ruby on Rails, Java, or similar) and relational databases (SQL)
- Hands-on experience with data pipelines or analytical data stores, such as Airflow, Spark, dbt, ClickHouse / Snowflake / BigQuery / Redshift, or equivalent technologies
- Experience owning systems end-to-end, including design, deployment, monitoring, and on-call support
- The team operates on the East/West coast time zones
- Experience in fintech, lending, capital markets, or financial reporting environments with high data accuracy requirements
- Knowledge of modern data platforms and analytics tools (e.g., Databricks, ClickHouse, Looker, dbt)
- Experience designing and maintaining external APIs (REST) or file-based data integrations for enterprise partners
- Ability to improve system reliability through observability, automation, and incident reduction practices
- Ability to collaborate across technical and non-technical teams to define requirements and deliver solutions
Benefits
- Remote work arrangement; most Upstarters can work from wherever they thrive in the US and Canada
- Target bonuses
- 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
- 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; 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 supporting 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)
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