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UpstartUpstartUnited States

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.

167k – 242k
Remote5+ YOEFullstack 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

PythonJavaKotlinKafkagRPCAPIsDistributed SystemsEvent-Driven ArchitecturesAWSCloud Computing

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