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 I on the Upstart Bank team, you will help design, build, and maintain 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 backend engineering problems, thrives in ambiguous environments, and is excited to learn while helping shape the technology supporting Upstart Bank.
How you’ll make an impact
Design, build, test, and maintain scalable backend systems, services, and APIs supporting Upstart Bank initiatives
Deliver high-quality software while partnering with senior engineers on medium-to-large engineering projects
Translate business, operational, and regulatory requirements into reliable, maintainable software
Improve system reliability, observability, and operational excellence across backend services
Participate in technical design discussions while growing engineering depth and technical ownership
Collaborate 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
Demonstrate curiosity, adaptability, and a willingness to learn while contributing to a growing engineering organization
Minimum Qualifications
Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience)
2+ years of software engineering experience
Experience building production backend or full-stack software systems
Experience working with APIs, backend services, 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 work effectively in ambiguous, cross-functional environments
Preferred Qualifications
Experience working in fintech, financial services, payments, or another regulated industry
Familiarity with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies
Experience building reliable backend services, APIs, or platform software
Experience collaborating across Product, Compliance, Operations, and Engineering teams
Proven ability to thrive in collaborative, self-directed, remote, and in-person environments
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
$130,800—$153,900 USD