Software Engineer, Upstart
Cash Line
$142-196.6k
+ Bonus + Equity. For candidates based in Canada, the annual base salary is $136,000—$184,800 CAD
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$142-196.6k
+ Bonus + Equity. For candidates based in Canada, the annual base salary is $136,000—$184,800 CAD
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience, and 4+ years of professional software engineering experience
- Strong proficiency building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js
- Experience designing and working with REST or GraphQL APIs, data models, and distributed systems or service-oriented architectures
- Solid fundamentals in writing tested, maintainable code and collaborating through code review in a team environment
- Ability to work effectively with product and design partners to deliver features from requirements through production
Desirable
- Experience building scalable, reliable systems for consumer-facing products with complex user journeys
- Familiarity with automated testing, CI/CD workflows, observability, and modern software development practices
- Exposure to fintech, lending, payments, or other regulated financial products
- Experience with experimentation, A/B testing, or feature flagging in production environments
- Active use of AI tools in engineering workflows, with a thoughtful perspective on how AI is reshaping software development
- Passion for building products that expand access to credit and improve financial outcomes for consumers
What the job involves
- Cash Line is one of Upstart's core lending products, helping borrowers access flexible credit through a seamless, digitally native experience
- The team owns critical parts of the borrower journey across offer generation, pricing, underwriting, funding, and account management, while partnering closely with the broader lending platform that powers Upstart at scale
- As a Software Engineer on the Cash Line team, you'll design, build, and operate the backend systems that power these experiences
- You'll work primarily with backend services, APIs, and data flows that support pricing, underwriting, funding, and account management
- This is a hands-on role where you'll own meaningful features end to end, collaborate across disciplines, and deepen your technical expertise on a business-critical product
- Design, build, and maintain reliable backend services and APIs that support Cash Line and the broader borrower journey
- Develop systems that power offer generation, pricing, underwriting, funding, and account management experiences
- Work across the stack as needed to integrate backend capabilities with borrower-facing applications and partner systems
- Partner closely with product managers, designers, and engineers to scope, build, and ship features that improve borrower flows and reduce friction
- Write well-tested, maintainable code and participate in code reviews, helping raise the quality and consistency of the team's codebase
- Contribute to the performance, scalability, reliability, and observability of the systems you own, and help diagnose and resolve issues across environments
- Support experimentation and iterative improvements by building flexible services and using data and customer feedback to inform what gets built next
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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