Upstart · 3 hours ago
Senior Software Engineer, New Product
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. The Senior Software Engineer will design and build backend systems for a new consumer credit experience, focusing on scalable and reliable services while collaborating closely with design and product teams.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Design and build the backend systems that power a brand-new consumer credit experience
Develop scalable, distributed services using event-driven architectures to ensure reliability, observability, and long-term maintainability
Collaborate closely with design and product to translate intent into features that serve millions of consumers
Drive technical decisions in a zero-to-one product environment, balancing speed with high-quality execution
Apply AI-native workflows to accelerate development, testing, analysis, and documentation
Help define engineering best practices and culture within a fast-moving and outcome-driven team
Qualification
Required
4+ years of experience building backend systems in production, ideally for consumer-facing applications
Strong technical background in distributed systems and event-driven architecture (Kafka, SQS, Kinesis, or similar)
Proficiency in object-oriented programming languages (e.g., Java, Kotlin, C#, Python, Ruby) and familiarity with relational databases, APIs, and caching
Demonstrated ability to work autonomously and thrive in ambiguous, early-stage product environments
Deep product sense with a strong focus on end-user experience and outcomes
Familiarity with observability and reliability concepts (metrics, logs, traces, SLOs)
Actively uses AI tools in engineering workflows, with strong opinions about the future of AI in software development
Excellent written and verbal communication skills
Preferred
Experience at consumer-focused (B2C) fintech or technology companies with millions of users
Background in backend systems related to payments, credit, or high-scale user workflows
Experience building zero-to-one products and contributing to product direction in small teams
Exposure to schema evolution and safe data migrations in distributed environments (e.g., Protobuf, Avro)
Entrepreneurial mindset—comfortable in dynamic environments, with a bias toward action and ownership
Track record of scrappy, high-quality execution and an interest in building software that serves underserved populations
Strong AI instincts—interest or experience building agentic systems or applying LLMs to development and testing
Benefits
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
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