Software Engineer, Upstart

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience)
• 2+ years of software engineering experience
• Experience building production backend or full-stack software systems
• Experience working with APIs, backend services, or web applications
• Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar
• Strong engineering fundamentals around software design, testing, debugging, and operational ownership
• Ability to work effectively in ambiguous, cross-functional environments

Desirable

• Upstart Bank is an evolution of Upstart's AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing, compliance, and access to credit at scale
• As a Software Engineer I on the Upstart Bank team, you will help design, build, and maintain reliable backend software that enables Upstart Bank to launch and scale successfully. Engineers work across a variety of Bank initiatives while partnering closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver scalable software in a regulated environment
• This is a rare opportunity to help build one of the first modern AI-enabled national banks. The ideal engineer enjoys solving backend engineering problems, thrives in ambiguous environments, and is excited to learn while helping shape the technology supporting Upstart Bank
• Design, build, test, and maintain scalable backend systems, services, and APIs supporting Upstart Bank initiatives
• Deliver high-quality software while partnering with senior engineers on medium-to-large engineering projects
• Translate business, operational, and regulatory requirements into reliable, maintainable software
• Improve system reliability, observability, and operational excellence across backend services
• Participate in technical design discussions while growing engineering depth and technical ownership
• Collaborate closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver high-quality software
• Uphold a high engineering bar through thoughtful implementation, testing, code review, and operational ownership
• Demonstrate curiosity, adaptability, and a willingness to learn while contributing to a growing engineering organization