Senior Software Engineer, Identity Platform

About Upstart

At Upstart, we're united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that's both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers.

We're proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive.

The Team

At Upstart, the Identity and Experimentation Platform Team plays a pivotal role in shaping the security and accessibility of our cutting-edge lending products. We are responsible for creating, securing, and managing borrower and partner identities, ensuring a seamless and secure experience at every touchpoint.

Your Role

You will play a critical role in building and securing our authentication, authorization and experimentation systems. You will be responsible for ensuring that borrowers and partners experience a seamless, secure, and scalable identity framework across our lending products.

How you'll make an impact

• Design, develop, and optimize secure and scalable authentication and authorization systems.
• Collaborate with cross-functional teams to improve Identity and Access Management (IAM) capabilities, including OAuth, OpenID Connect, MFA, and SSO.
• Partner with Security teams to enhance security policies and standards.
• Improve Experimentation platform and Lifecycle across the Upstart Network Inc Products.
• Drive best engineering practices for clean, maintainable, and efficient code.
• Participate in architectural discussions, helping to shape the long-term vision of Identity Platform.
• Mentor and collaborate with other engineers to elevate the team's technical skills and knowledge.

Minimum Qualifications

• Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience.
• Strong proficiency in backend technologies (e.g., Kotlin, Java, Ruby, C#).
• Hands-on experience with authentication and authorization protocols (OAuth 2.0, OpenID Connect, SAML).
• Experience building scalable APIs using containerization technologies like Docker and Kubernetes.
• Understanding of security principles, including encryption, token-based authentication, and identity federation.
• Strong problem-solving and debugging skills.
• Experience with AI Coding tools such as Cursor, Claude Code etc.
• Excellent communication skills.

Preferred Qualifications

• Experience working with IAM platforms and security services.
• Knowledge of A/B testing, gRPC, and DevOps practices.
• Experience with Keycloak, NextJS, and Ruby is a plus.
• Proven ability to influence technical direction without direct authority.
• Strong product and analytical mindset.

Compensation and Benefits

• US Remote Salary Range: $166,900 - $230,900 USD
• Canada Remote Salary Range: $153,000 - $190,000 USD
• Competitive compensation, bonus opportunities, and annual equity grants.
• Comprehensive health coverage, retirement benefits with company match, and generous paid time off.
• Annual wellness and productivity allowances.

Upstart is a proud Equal Opportunity Employer. If you require reasonable accommodation, please email [email protected].