Senior Software Engineer, Upstart

• Our Senior Software Engineers are trusted technical leaders who thrive across the full stack
• You don’t wait for someone to pave the road—you build it
• You bring deep technical expertise in payments systems, from NACHA nuances to payment rails architecture, and a strong understanding of the operational and technical challenges of scaling financial workflows
• 5+ years of professional software development experience
• Proven technical leadership experience in designing and operating distributed, microservices-based systems
• Deep understanding of release orchestration, deployment, logging, monitoring, and alerting at scale
• Demonstrated ownership of production-critical payment or financial transaction systems

Desirable

• As a member of our Servicing Engineering team, you will play a pivotal role in ensuring smooth loan management, optimizing collections, and cultivating strong customer relationships — with a specialized focus on Payments
• Our team’s mission is to build a best-in-class loan servicing and payments platform that enables flexibility, operational excellence, and innovation in how borrowers make and manage payments
• We’re developing a cutting-edge platform that introduces business process automation, payment workflow orchestration, and a seamless user experience for both borrowers and internal stakeholders
• You’ll be a hands-on Team lead, shaping the direction of payment features, integrations, and standards that define how we transact with borrowers
• You’ll collaborate closely with Product, Analytics, and Operations to ensure that our payments platform is reliable, extensible, and ready to support new financial experiences
• Lead successful cross-team or multi-quarter projects that expand the capabilities and reliability of our payments and servicing systems
• Design and build full-stack features, including new payment workflows, card payment expansion, and flexible payment timing options that empower borrowers
• Own the architecture for payment abstractions — ensuring idempotency, exactly-once semantics, and extensible contracts that safely integrate with other systems
• Set engineering standards for correctness, observability, and operational excellence in payment processing
• Collaborate with internal and external partners to evolve Upstart’s payment platform and maintain compliance with payment network rules and NACHA standards
• Mentor engineers across the team, sharing expertise on distributed systems, financial domain design, and scalable architecture
• Help grow the engineering team and foster a culture of technical rigor, ownership, and continuous improvement