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 Software Engineer on the Cash Line team will design, build, and operate backend services, APIs, and data flows supporting pricing, underwriting, funding, account management, and the broader borrower journey.
Responsibilities
- Design, build, and maintain reliable backend services and APIs that support Cash Line and the broader borrower journey
- Develop systems that power offer generation, pricing, underwriting, funding, and account management experiences
- Work across the stack as needed to integrate backend capabilities with borrower-facing applications and partner systems
- Partner closely with product managers, designers, and engineers to scope, build, and ship features that improve borrower flows and reduce friction
- Write well-tested, maintainable code and participate in code reviews, helping raise the quality and consistency of the team's codebase
- Contribute to the performance, scalability, reliability, and observability of the systems you own, and help diagnose and resolve issues across environments
- Support experimentation and iterative improvements by building flexible services and using data and customer feedback to inform what gets built next
Skills
- * Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience, and 4+ years of professional software engineering experience
- * Strong proficiency building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js
- * Experience designing and working with REST or GraphQL APIs, data models, and distributed systems or service-oriented architectures
- * Solid fundamentals in writing tested, maintainable code and collaborating through code review in a team environment
- * Ability to work effectively with product and design partners to deliver features from requirements through production
- This role is available remotely. As a digital-first company, the majority of your work can be accomplished remotely. Most Upstart employees can live and work anywhere in the U.S. and are encouraged to spend meaningful time collaborating in person through regular onsite gatherings. The cadence varies by team and role; most teams meet once or twice per quarter for two to four consecutive days at a time
- Occasional travel may be required for team onsites and other company gatherings
- * Experience building scalable, reliable systems for consumer-facing products with complex user journeys
- * Familiarity with automated testing, CI/CD workflows, observability, and modern software development practices
- * Exposure to fintech, lending, payments, or other regulated financial products
- * Experience with experimentation, A/B testing, or feature flagging in production environments
- * Active use of AI tools in engineering workflows, with a thoughtful perspective on how AI is reshaping software development
- * Passion for building products that expand access to credit and improve financial outcomes for consumers
Benefits
- The majority of your work can be accomplished remotely.
- Target bonuses
- Equity compensation
- Retirement 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 security
- 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 to support fertility, parenthood, and caregiving needs
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial 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 you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- Connection 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 Overview
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