Senior Software Engineer - Partner Integrations and Origination Platform

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

Upstart’s Partner Integrations and Origination Platform team builds and scales the systems that power loan originations across products and lending partners. The team focuses on improving reliability, observability, and scalability across origination workflows while enabling new funding sources and supporting Upstart’s broader platform evolution.

As a Senior Software Engineer (L5) at Upstart, you will design and build scalable backend systems that simplify and standardize origination flows across products and partner types. You’ll help modernize foundational infrastructure, reduce operational complexity, and create extensible platform capabilities that allow teams to onboard new partners and launch new lending experiences more efficiently.

• Design and build scalable backend services and platform capabilities that support origination workflows across multiple products and lending partners
• Improve the reliability, observability, and operational resilience of critical origination systems and APIs
• Refactor and decouple legacy systems to create reusable, product-agnostic platform infrastructure that scales across partner and product types
• Build orchestration and workflow solutions that streamline partner onboarding, reduce manual operational work, and improve system consistency
• Collaborate closely with Engineering, Product, Lending Partnerships, Compliance, Legal, and Loan Sales teams to deliver secure and scalable lending experiences
• Drive technical design discussions, author design documents, and contribute to engineering best practices for system quality, monitoring, and operational excellence
• Use AI-assisted development tools and automation thoughtfully to improve engineering productivity and reduce repetitive workflows
• Participate in operational support and incident response, helping identify root causes and implement long-term system improvements

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or its equivalent) and 4+ years of software engineering experience
• 6+ years of experience building and operating backend services, APIs, or data-intensive systems in production environments
• Experience owning software through the full development lifecycle, including design, implementation, deployment, monitoring, and on-call support
• Proficiency with at least one modern backend development framework or programming language; experience with Ruby on Rails or the ability to ramp quickly in a Ruby-based codebase
• Experience designing distributed systems, service integrations, or workflow-based architectures that support…