Upstart · 10 hours ago
Senior Software Engineer, Recurring Credit
United States
Full-time
Remote
Mid, Senior Level
$142K/yr - $226K/yr
4+ years expUpstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. They are seeking a Senior Software Engineer to design and build core backend systems, develop distributed services, and collaborate closely with product and design teams to enhance user-facing features.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Design and build core backend systems that power instant disbursements, subscription billing, and repayment schedules
Develop distributed, event-driven services that guarantee reliability and scale—covering retries, ordering, schema evolution, and observability
Translate product intent into customer impact by collaborating closely with product and design to ship high-quality user-facing features quickly
Leverage AI-native workflows (e.g., Copilot, Cursor, LLM-powered tooling) to accelerate coding, testing, and analysis
Ensure trust and transparency at the system level by instrumenting metrics, logs, and traces tied to business and user outcomes
Balance speed and quality in a greenfield codebase, helping set the technical direction for a product with zero-to-one momentum and long-term scale
Shape engineering culture and velocity through thoughtful APIs, automation, and scalable practices
Qualification
Required
4+ years of experience building backend systems in production, ideally powering consumer-facing products
Strong technical depth in distributed, event-driven architectures (Kafka, SQS, Kinesis, MQ) including idempotency, retries, DLQs, and ordering
Proficiency in an OO language (Java, Kotlin, C#, Python, Ruby) and comfort with relational databases, caching layers, and API design
Demonstrated ability to ship zero-to-one systems or products, making tradeoffs in ambiguous environments
A track record of connecting backend work to product outcomes (conversion, reliability, payments, onboarding)
Experience designing with observability and reliability in mind (metrics, traces, logs, SLOs)
Active use of AI tools in engineering workflows beyond autocomplete, with curiosity about how AI changes how teams build
Strong written and verbal communication skills; able to explain complex systems and tradeoffs clearly
Preferred
Experience with fintech or payments systems such as disbursements, billing, ledgers, KYC/IDV, or credit/underwriting flows
Practical experience with instant funding rails and the challenges of fraud, reconciliation, and compliance
Familiarity with schema evolution and contracts (e.g., Protobuf, Avro) and safe data migrations in distributed systems
Track record of building or scaling consumer-facing flows with measurable impact on conversion or reliability
Comfort navigating regulated domains and collaborating with legal, servicing, capital markets, or external partners
Evidence of tenure and progression within one company (promotions, expanding scope) and resilience through challenging product phases
Demonstrated interest in agentic or AI-assisted systems, applying LLMs to design, testing, analysis, or automation
Benefits
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP)
Life and disability insurance
Generous holiday, vacation, sick and safety leave
Supportive parental, family care, and military leave programs
Annual wellness, technology & ergonomic reimbursement programs
Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
Catered lunches + snacks & drinks when working in offices
Company
Upstart
Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
1001-5000 employees
H1B Sponsorship
Upstart has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (68)
2024 (67)
2023 (85)
2022 (85)
2021 (42)
2020 (15)
Funding
Current Stage
Public CompanyTotal Funding
$3.36BKey Investors
CastlelakeProgressiveRakuten
2025-11-06Post Ipo Debt· $1.5B
2025-09-05Post Ipo Debt· $320M
2025-08-12Post Ipo Debt· $600M
Leadership Team
Dave Girouard
Founder & CEO
Paul Gu
Co-Founder
Recent News
The Motley Fool
2026-01-03
The Motley Fool
2026-01-01
2025-12-17
Company data provided by crunchbase