Senior Software Engineer, Partner

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;
Austin, Texas; and New York City, NY (opening Summer 2026).

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!

Partner Experience sits within Capital Platform and scales relationships with lenders and investors through customer experience solutions. This team helps partners access the insights, tools, and controls they need to deploy capital confidently and grow with Upstart. Our platform priorities center on speed, trust, and control for partners, delivered through reliable data, intuitive workflows, and secure access across products.

We’re hiring a Senior Software Engineer to build partner‑facing systems that improve transparency, reliability, and self‑service across our capital ecosystem. You’ll contribute to services and UIs that power reporting, onboarding, and ongoing operations for lending partners and investors, collaborating closely with Product, Design, Analytics, and other engineering teams.

This is an impact‑driven role where your work will directly strengthen partner confidence, reduce operational friction, and accelerate capital deployment.

• Design, build, and maintain scalable APIs, services, and UIs that enable partners to access performance data, operational workflows, and program controls.
• Ship clear, well‑tested code; participate in code reviews; and improve reliability through logging, metrics, and alerting.
• Work across the stack (backend, data access, and front‑end integration) to deliver end‑to‑end capabilities with strong security and availability.
• Partner with stakeholders to translate requirements into simple, reliable workflows and self‑service tools that reduce manual processes.
• Own deployment and operational readiness in cloud environments, including CI/CD, observability, and incident mitigation.
• Contribute to technical design docs and help evolve our platform architecture for partner experiences over time.

• 3-5 years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs
• Experience with some or many of the following:
  Ruby on Rails, Kotlin, Postgre
  
  SQL, React, Next.js, Vercel, Python
• 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 effectively with cross‑functional teams

• Experience in capital markets, financial services, or a related industry, with a strong understanding of market structures and regulations
• 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

• Experience working with large datasets, data modeling, and building robust data pipelines

This role is available in the following locations:
Remote

As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to still spend high quality time in‑person collaborating via…