Senior Software Engineer, Upstart Bank
The Team:
Upstart Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing and access to credit at scale.
As a Senior Software Engineer on the Upstart Bank team, you will design and build systems that enable Upstart Bank to operate at scale. Depending on the team, your work may span funding, payments, reporting, partner integrations, and internal operational workflows. You’ll help build reliable, audit-ready software in a regulated environment while supporting seamless borrower and partner experiences.
How you’ll make an impact
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
Minimum Qualifications
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
Preferred Qualifications
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.
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
#LI-REMOTE
#LI-MidSenior --> use for L5, L6
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
United States | Remote - Anticipated Base Salary Range
$166,900—$242,400 USD