Senior Software Engineer, Upstart Bank
Senior Software Engineer building scalable backend and full-stack systems for Upstart Bank's AI lending platform in a regulated fintech environment. Own medium-to-large projects involving funding, payments, reporting, and partner integrations while ensuring reliability, auditability, and compliance.
About the job
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
Python, Java, Kotlin, Kafka, gRPC, APIs, Distributed Systems, Event-Driven Architectures, AWS, Cloud Computing
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