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, compliance, and access to credit at scale.
As a Software Engineer on the Upstart Bank team, you will design and build reliable backend software that enables Upstart Bank to launch and scale successfully. Engineers work across a variety of Bank initiatives while partnering closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver scalable software in a regulated environment.
This is a rare opportunity to help build one of the first modern AI-enabled national banks. The ideal engineer enjoys solving challenging backend problems, thrives in ambiguous environments, and is excited to help shape both the technology and engineering culture as Upstart Bank grows.
How you’ll make an impact
Design and build scalable backend systems, services, and APIs supporting Upstart Bank initiatives
Deliver well-designed software across medium-sized engineering projects while collaborating with senior engineers
Translate business, operational, and regulatory requirements into reliable, maintainable software
Improve system reliability, observability, performance, and operational excellence across backend services
Contribute to technical design discussions and continuously improve engineering quality
Partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver high-quality software
Uphold a high engineering bar through thoughtful implementation, testing, code review, and operational ownership
Thrive in ambiguous environments while continuously growing technical ownership and engineering judgment
Minimum Qualifications
Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience)
4+ years of backend or full-stack software engineering experience
Experience building and operating production software systems
Experience building scalable services, APIs, or web applications
Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar
Strong engineering fundamentals around software design, testing, debugging, and operational ownership
Ability to operate effectively in ambiguous, cross-functional environments
Preferred Qualifications
Experience working in fintech, financial services, payments, or another regulated industry
Experience with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies
Experience building reliable backend services, APIs, or platform software
Experience modernizing existing systems or building new backend platforms
Ability to collaborate effectively across Product, Compliance, Operations, and Engineering teams
Curiosity, adaptability, and a desire to continuously learn new technologies and business domains
Position location This role is available in the following locations: Remote [A specific city/location is not required if the role does not have an in-person requirement]
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-Associate --> use for L3, L4
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
$14,200—$186,800 USD