[Remote] Senior Software Engineer, Upstart Bank

About Upstart Bank

Upstart is a leading AI lending marketplace dedicated to reducing the cost and complexity of borrowing for Americans. The Senior Software Engineer will design and build systems to support Upstart Bank's operations, focusing on creating scalable and reliable software in a regulated environment. This is a remote position open to candidates in the USA.

Responsibilities

• 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

Skills

• 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
• 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

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
• Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
• Health Savings Account contributions from Upstart for eligible plans
• Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
• Paid time off, sick and safe time, and company holidays
• Paid family and parental leave to support caregiving and major life moments
• Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
• 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
• 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 and onsites, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)

Company Overview

Upstart 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.

Company H1B Sponsorship

Upstart has a track record of offering H1B sponsorships, with 14 in 2026, 67 in 2025, 66 in 2024, 84 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role.