Senior Software Engineer, Upstart
$164.8-228.4k
+ ESPP
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$164.8-228.4k
+ ESPP
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) and 4+ years of software engineering experience
- Experience designing, building, and operating production web applications used by internal or external customers
- Experience designing relational database schemas and managing complex data models using PostgreSQL or a similar relational database
- Experience building and maintaining RESTful APIs, integrations, webhooks, or distributed system interfaces
- Experience implementing application security fundamentals, including authentication, role-based access control, audit logging, and schema migrations
Desirable
- Knowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern web application frameworks
- Experience building internal tooling, workflow platforms, or operational software systems
- Familiarity with regulated environments such as financial services, banking, healthcare, or other compliance-driven industries
- Knowledge of governance, risk, and compliance (GRC) platforms, security tooling, or operational controls
- Ability to navigate ambiguous requirements and collaborate effectively with both technical and non-technical stakeholders
What the job involves
- Upstart's Bank Technology team builds the software systems, automation, and internal platforms that enable Upstart Bank to operate efficiently, securely, and at scale
- The team partners closely with stakeholders across risk, legal, compliance, and operations to replace manual processes with purpose-built solutions that support the bank's growth and regulatory requirements
- As a Senior Software Engineer, you will design and build internal applications that power critical bank functions
- You'll work across software systems, automation, integrations, and platform tooling, helping translate complex business requirements into scalable, maintainable solutions that deliver meaningful operational impact
- Design, build, and maintain internal software platforms that support risk, compliance, legal, and operational workflows across Upstart Bank
- Partner with cross-functional stakeholders to translate business requirements into scalable technical solutions and intuitive user experiences
- Develop and maintain APIs, integrations, and data workflows that connect internal systems with third-party platforms
- Design relational data models, authorization frameworks, audit capabilities, and background processing systems that support secure and reliable operations
- Write technical designs, architectural documentation, and implementation plans that establish durable engineering patterns and reduce future maintenance costs
- Contribute to technical decisions regarding system architecture, build-versus-buy evaluations, and long-term platform scalability
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, with the goal of helping lenders serve more customers while making borrowing easier and more affordable.
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 & CEO)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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