Senior Software Engineer – Lending Platform

Upstart

Senior Software Engineer designing scalable, event-driven systems for Upstart's AI lending platform. Collaborating with product and finance teams to improve performance and reliability.

Posted 7/1/2026full-timeRemote • Texas • 🇺🇸 United StatesSenior💰 $166,900 - $230,900 per yearWebsite

Tech Stack

Tools & technologies

AWSCloud

About the role

Key responsibilities & impact

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.

Requirements

What you’ll need

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.

Benefits

Comp & perks

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Paid family and parental leave to support caregiving and major life moments (duration varies by country)
Family-centered benefits to support fertility, parenthood, and caregiving needs
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 (US Only)
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, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)

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Hard Skills & Tools

Software EngineeringData Processing SolutionsProduction SystemsTechnical Debt ManagementArchitecture DesignProgramming LanguagesSystem ReliabilityData AnalyticsFinancial ProcessesEvent-Driven Applications

Soft Skills

CollaborationLeadershipProblem-SolvingCommunication

Certifications

Bachelor's Degree in Computer ScienceBachelor's Degree in EngineeringBachelor's Degree in Mathematics