Skip to content
UpstartUpstartUnited States

Senior Software Engineer, Upstart Bank

Designs and builds scalable backend/full-stack systems for Upstart Bank's funding, payments, reporting, and operations in a regulated fintech environment. Requires 4+ years experience, Bachelor's degree, and proficiency in Python, Java, or Kotlin.

167k – 231k
Remote4+ YOEBackend Engineering

About the role

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

Skills

PythonJavaKotlinAPIsCloudDistributed SystemsKafkagRPCFintechPayments

Similar roles

Backend Engineering jobs
Upstart

Senior Software Engineer, Foundations

UpstartUnited States

Build and scale backend services powering personalized customer communications across SMS, email, push, and emerging channels. Partner with marketing and data teams to deliver real-time messaging, automation, and data-driven engagement systems.

167k – 231k
Remote4+ YOEBackend Engineering
Upstart

Senior Software Engineer - Partner Integrations and Origination Platform

UpstartUnited States

Design and build scalable backend services and platform infrastructure for loan origination workflows across products and lending partners. Own systems through the full lifecycle including design, deployment, monitoring, and on-call support.

167k – 231k
Remote6+ YOEBackend Engineering
Upstart

Senior Software Engineer, Capital Insights

UpstartUnited States

Builds and maintains backend services, data pipelines, and reporting infrastructure for partner-facing financial reporting in fintech. Requires 4+ years backend experience, SQL, data pipelines like Airflow/Spark/dbt, and system ownership.

167k – 231k
Remote4+ YOEBackend Engineering
Mercury

Senior Backend Engineer

MercurySan Francisco, CA +2

Senior backend engineer building lovable fintech and banking products at Mercury. Requires 3-7 years backend experience, Haskell/SQL proficiency, product ownership, architectural decision-making, and enthusiasm for AI tools.

167k – 208k
Remote3+ YOEBackend Engineering
Mercury

Senior Software Engineer - AI Enablement

MercurySan Francisco, CA +2

Builds and scales internal AI platform infrastructure including LLM gateways, MCP servers, and knowledge layers to enable company-wide AI adoption. Requires 5+ years backend experience shipping production LLM systems like RAG and agents.

167k – 219k
Remote5+ YOEBackend Engineering