Software Engineer, Financial Operations

About Upstart

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.

Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California;
Columbus, Ohio; and Austin, Texas.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!

We are seeking a Software Engineer to join our newly established Financial Operations Engineering team, which will be a critical part of our Finance, Accounting, and Treasury organizations. This team’s mission is to unlock smarter financial planning by building scalable systems that improve data accessibility, automate complex financial workflows and reporting, and provide deeper insights to drive strategic decision‑making.

In this role, you will contribute to the development of end-to-end financial systems. You’ll work closely with more senior engineers and cross‑functional teams to build and maintain the technical infrastructure that powers our financial operations. Your work will involve collaborating with stakeholders to streamline manual processes, build automation tools, and ensure our financial platforms are secure and scalable.

This is a fantastic opportunity for a mid‑level engineer to gain experience in both backend development and the financial systems domain. You’ll work on meaningful projects that have a direct impact on our company’s ability to plan, forecast, and make data‑driven financial decisions. You will have the opportunity to learn from our senior engineers, contribute to system architecture discussions, and grow your skills in cloud platforms, data modeling, and financial processes.

• Collaborate with senior engineers to develop and maintain systems that support finance, accounting, and treasury functions
• Assist in the design and implementation of automation tools to streamline financial workflows and reduce manual effort
• Work with business stakeholders to understand financial requirements and translate them into technical solutions
• Contribute to the building of APIs, data pipelines, and integrations with third‑party financial tools
• Ensure data integrity, security, and scalability of financial>
• Participate in code reviews, testing, and the deployment of high‑quality code
• Support ongoing maintenance, troubleshooting, and optimization of financial systems to ensure reliability and performance

• 3‑5 years of experience in software development, with a strong focus on backend engineering, distributed systems, and APIs
• Experience with some or many of the following:
  Kotlin, Ruby on Rails, Postgre
  
  SQL, React, Next.js, Vercel
• Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment
• Experience with microservices architecture and real‑time data processing pipelines (Kafka, Spark, or similar)
• Familiarity with database technologies such as SQL and data warehousing solutions
• Good communication and teamwork skills, with the ability to work with cross‑functional teams
• Strong problem‑solving skills and a desire to learn and grow in a fast‑paced, collaborative environment

• Experience in building financial, accounting, or treasury systems or similar enterprise applications
• Prior experience or demonstrated enthusiasm for working on internal tools
• History of thriving in a variety of work environments: both collaborative and self‑directed; remote and in‑person

This role is available in the following locations:
Remote

The team operates on the East/West coast…