Senior Software Engineer, Upstart
Lending Platform
$166.9-230.9k
AI lending marketplace
Open for applications
AI lending marketplace
1001+ employees
Open for applications
$166.9-230.9k
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 technical field (or equivalent practical experience)
- 4+ years of professional software engineering experience building and operating production systems. (L5 standard)
- Experience designing and building distributed, event-driven applications in cloud environments such as AWS
- Experience developing scalable backend services that process large volumes of data using modern programming languages
- Experience designing, testing, and deploying reliable production systems using software engineering best practices
Desirable
- Knowledge of financial systems, accounting processes, or capital risk management
- Experience building high-throughput data processing or event streaming platforms
- Ability to design systems that balance scalability, maintainability, and long-term operational efficiency
- Experience collaborating across engineering, product, analytics, and business stakeholders to deliver complex technical initiatives
- Curiosity for applying generative AI tools to accelerate software development and improve engineering effectiveness
What the job involves
- As a Senior Software Engineer, you'll design and deliver the core systems that process large volumes of financial data and events
- Your work will directly influence the reliability of Upstart's balance sheet, accelerate finance automation, and create a strong technical foundation for future investments across Treasury and other financial platforms
- Design, build, and operate distributed, event-driven systems that power accounting close automation and capital risk workflows
- Deliver scalable data processing solutions that transform high-volume financial events into accurate, reliable business outcomes
- Partner closely with Product, Data Analytics, Finance, and Engineering teams to define technical solutions for complex financial processes
- Improve the reliability, scalability, and maintainability of critical financial systems while thoughtfully managing technical debt
- Lead multi-quarter engineering initiatives from architecture through production, balancing long-term platform investments with business priorities
- Leverage AI-assisted development tools to improve engineering productivity while maintaining high standards for quality, security, and correctness
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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