Design and deliver production grade backend systems that power a new consumer revolving credit product.
Own services that support underwriting, pricing, line management, transactions, ledgering, and servicing with strong guarantees around correctness, reliability, and observability.
Break down ambiguous product and economic requirements into clear technical designs and milestones, driving projects independently from design through launch and iteration.
Partner with machine learning engineers to productionize models and integrate AI driven decisioning into real time user flows with strict latency and reliability constraints.
Collaborate closely with mobile engineers to ensure backend systems support seamless, high quality consumer experiences.
Contribute to architectural decisions in a greenfield environment while integrating thoughtfully with Upstart’s broader lending platform.
Apply generative AI in practical ways, shaping customer facing AI features as well as internal tooling, automation, testing, and developer productivity workflows.
Raise the bar for engineering rigor through strong API contracts, data modeling, testing strategy, monitoring, and operational excellence.

Requirements

Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
Strong experience designing distributed systems and event driven architectures, including handling real world concerns such as idempotency, retries, race conditions, data consistency, and failure recovery.
Proficiency in an object oriented programming language such as Python, Java, Kotlin, C#, or Ruby, and experience designing APIs and working with relational databases and caching layers.
Experience shipping consumer facing features end to end, with a clear understanding of performance, reliability, and user impact.
Fluency with generative AI systems in production, including hands on experience building, integrating, or operating Gen AI powered features or workflows. Comfortable working with LLM APIs, prompt design, evaluation, guardrails, and monitoring in real world systems.
Demonstrated ability to operate autonomously, lead medium to large scoped projects, and make sound technical tradeoffs in ambiguous environments.
Strong communication skills and comfort collaborating closely with cross functional partners across product, finance, compliance, and operations.

Benefits

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service
Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

distributed systemsevent driven architecturesobject oriented programmingPythonJavaKotlinC#RubyAPI designrelational databases

Soft Skills

autonomous operationproject leadershiptechnical tradeoffsstrong communicationcollaboration

Certifications

Bachelor’s degree in Computer ScienceBachelor’s degree in EngineeringBachelor’s degree in Mathematics