Senior Software Engineer, Upstart
Capital Insights
$166.9-230.9k
+ Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
AI lending marketplace
Open for applications
AI lending marketplace
1001+ employees
Open for applications
$166.9-230.9k
+ Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) plus 4+ years of experience building and operating backend systems
- Experience with at least one modern backend stack (e.g., Ruby on Rails, Java, or similar) and relational databases (SQL)
- Hands-on experience with data pipelines or analytical data stores, such as Airflow, Spark, dbt, ClickHouse / Snowflake / BigQuery / Redshift, or equivalent technologies
- Experience owning systems end-to-end, including design, deployment, monitoring, and on-call support
Desirable
- Experience in fintech, lending, capital markets, or financial reporting environments with high data accuracy requirements
- Knowledge of modern data platforms and analytics tools (e.g., Databricks, ClickHouse, Looker, dbt)
- Experience designing and maintaining external APIs (REST) or file-based data integrations for enterprise partners
- Ability to improve system reliability through observability, automation, and incident reduction practices
- Ability to collaborate across technical and non-technical teams to define requirements and deliver solutions
What the job involves
- As a Senior Software Engineer, you will serve as a key individual contributor responsible for backend services, data pipelines, and reporting infrastructure that ensure capital partners receive accurate, timely, and reliable data
- Your work directly supports how capital flows through Upstart’s marketplace and helps scale the platform to support future growth
- Design and evolve backend services, data models, and reporting APIs that power partner-facing reporting across multiple lending products
- Build and maintain data pipelines and reporting systems that deliver accurate, timely loan and portfolio data under strict SLAs
- Improve system reliability and operational health by reducing incidents, automating manual processes, and strengthening observability
- Lead design and implementation of cross-product platform capabilities, including unified APIs and portals
- Partner with Capital Markets, Finance, and Data teams to define requirements, troubleshoot production issues, and deliver scalable solutions
- Identify structural inefficiencies in legacy systems and drive platform-level improvements that reduce operational burden
- Mentor engineers on best practices for data modeling, distributed systems design, and production operations in a regulated fintech environment
Our take
Based in San Mateo, California, Upstart is piositioning itself as a leading AI lending marketplace, connecting millions of consumers with more than 100 banks and credit unions. In a market where credit access can be limited by traditional scoring methods, Upstart aims to make lending fairer and more accessible by using technology to better understand each borrowers true potential.
Upstart builds AI and cloud-based tools that help lenders approve more borrowers at lower rates. Its models analyze thousands of variables (not just credit scores) to predict creditworthiness more accurately. And through its platform, consumers can access personal, auto, and home-equity loans, as well as smaller "relief" loans, all through a seamless digital experience.
So far, its success is reflected in its high loan automation rate (over 90% of loans are fully processed without human intervention) and the billions in loan originations it has facilitated. The company continues to refine its AI models and expand its offerings, and in 2026 earned provisional approval to establish "Upstart Bank" as a bank in the US.
Freddie
Company Specialist at Welcome to the Jungle
Insights
-16% employee growth in 12 months
Company
Funding (last 2 of 6 rounds)
Apr 2019
$50m
SERIES D
Mar 2017
$32.5m
SERIES D
Total funding: $135.7m
Company benefits
- Comprehensive health plans
- 401k Plan
- Annual wellness reimbursement
- Disability insurance
- Generous vacation policy
- Flexible time off
- Parental leave
- Family forming benefits through Carrot
- Technology equipment budget
- Personal development budget
- Various clubs and extracurricular activities
- Catered lunches
- Fully stocked micro-kitchen
Company HQ
South San Mateo, San Mateo, CA
Leadership
David Girouard
(Founder & Executive Chair)They started their career at Accenture and Booz Allen & Hamilton before working in Product Management at Apple and Virage. They left their role of 8 years as President of Enterprise at Google to found Upstart in March 2012.
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