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Senior Software Engineer, Upstart Bank

6 days, 9 hours ago
United States
Full-time
Senior
Software Engineer
Software Development
gRPC Java Kafka Kotlin Python System Design
Apply Now
Upstart

Upstart

Upstart Powered Loans: Personal, Car Refinance & Consolidation Through Upstart, apply online for a fast personal loan, auto refinancing, or debt consolidation. Try our quick rate check today with no impact to your credit! Founded by ex Googlers, Upstar...

Banks
1K-5K
Founded 2012
View All Jobs 72

Description

  • Design and build scalable systems, services, and user-facing workflows for 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 to help 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.
  • Work across funding, payments, reporting, partner integrations, and internal operational workflows as needed.

Requirements

  • Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent experience, plus 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.
  • Experience working in fintech, banking infrastructure, payments, or other regulated financial systems (preferred).
  • Familiarity with distributed systems, event-driven architectures, and frameworks such as Kafka or gRPC (preferred).
  • Experience building systems that support reliability, auditability, and strong operational controls (preferred).
  • Experience with reporting pipelines, financial data flows, partner integrations, or internal operational tooling (preferred).
  • Ability to collaborate effectively with product, compliance, operations, and engineering partners (preferred).
  • Experience working across both backend services and user-facing application layers (preferred).
  • Ability to work remotely with the team operating across East and West coast time zones.
  • Willingness to participate in regular in-person onsites, typically once or twice per quarter for 2-4 consecutive days.

Benefits

  • Anticipated base salary range of $166,900 to $230,900 USD.
  • Competitive compensation with bonus opportunities and annual equity grants that vest quarterly.
  • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year.
  • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees.
  • Affordable medical, dental, and vision coverage, with Upstart covering 90% to 100% of costs depending on the plan.
  • Health Savings Account contributions from Upstart for eligible plans.
  • Income protection benefits including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage.
  • Paid time off, sick and safe time, and company holidays.
  • Paid family and parental leave.
  • Family-centered benefits through Carrot and Cleo for fertility, parenthood, and caregiving support.
  • Employee Assistance Program (EAP) with mental health support and life-centered resources.
  • Annual wellness allowance and annual productivity allowance.
  • Onsite perks including catered lunches and fully stocked micro-kitchens at office locations.

Interested in this position?

Apply directly on the company website

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