Software Engineer, Servicing

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. 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!

Upstart has experienced remarkable growth in recent years, successfully processing billions of dollars in loans every quarter. The Servicing Engineering team plays a crucial role in managing these loans smoothly, maximizing collections, and building strong customer relationships. Our primary focus is to build a loan servicing platform and automate business processes while enhancing efficiency, and providing an intuitive user experience for both our borrowers and internal teams through the use of data analytics, machine learning, and automation.

As a Software Engineer on our Servicing Engineering team, you’ll work closely with cross‑functional partners to identify areas for improvement, automate repetitive tasks, and implement scalable solutions. By optimizing workflows, integrating systems, and leveraging technology, we empower our servicing partners to prioritize high‑value activities and deliver exceptional service to our customers. Your contributions will be instrumental in delivering exceptional customer experiences, while driving continuous improvement in our servicing capabilities to meet the growing demands of our unique role in the fintech ecosystem.

• Work within all areas of the platform from our web interfaces and 3rd‑party API integrations to backend business logic
• Move quickly to drive both existing and greenfield projects forward, while always keeping our end users in mind
• Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base
• Help us build our engineering team and make Upstart a genuinely awesome place to work

• Minimum requirements:
  • 2+ years of experience developing full‑stack web applications professionally
  • Proficiency in one or more programming languages
  • Solid grasp of software development principles and best practices for creating scalable and maintainable systems
  • Proven ability to effectively analyze and solve complex problems
• Preferred qualifications:
  • Experience with designing, developing, and deploying microservices‑based applications
  • Strong sense of ownership and accountability for the quality and timely delivery of work
  • Demonstrated ability to take feedback well and actively incorporate it into work, showing a growth mindset and a desire to continuously improve
  • Ability to thrive both in self‑directed work environments and in collaborative settings, contributing positively to team dynamics
  • Experience with Ruby on Rails and React or NextJS

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 regular on‑sites. The in‑person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2‑4 consecutive days at a time.

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
• 401(k) with 100% company match up to $4,500 and immediate vesting and after‑tax savings
• Employee Stock Purchase Plan (ESPP)
• Life…