Software Engineer, Distribution Platform

Overview

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. We’re digital-first and offer flexibility to work from anywhere, with collaboration across 80+ cities in the US and Canada.

In-person connections are encouraged via team onsites and planning sessions. You may work primarily from home or from offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026).

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 Distribution Platform team is developing innovative solutions and strategies that drive efficient and scalable marketing outreach, empowering us to effectively engage with our users while impacting Upstart's mission and growth. The team handles high-value distribution channels including digital ads, direct mail, and partner integrations. Our goal is to build an intelligent, unified system that learns, automates, and scales how Upstart engages with customers across these channels.

As a Software Engineer on the Distribution Platform team at Upstart, you will help create tools and systems to target the right users with the right content at the right time. You will work with cross-functional partners in Analytics, Marketing, Machine Learning, and Product to build a scalable marketing platform that mobilizes Upstart’s owned channels to drive users to our products efficiently.

• Work with cross-functional partners including product managers, designers, machine learning engineers, analytics, and marketing managers to design and deliver high-quality products across various marketing channels
• Design and build technology for serving marketing content to users in a scalable and efficient manner
• Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base

• 4+ years of professional software development experience
• Strong proficiency in one or more programming languages such as Ruby, Java, Kotlin, Python, or Java Script
• Experience building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP)
• Experience leading small to medium sized projects over multiple months and/or multiple engineers
• Excellent written and verbal communication skills with the ability to work in a distributed team

• Experience working on systems that integrate with 3rd parties and/or ingest, store, expose large amounts of data
• Experience with SQL, data warehouses, or other database technologies
• Professional experience with digital advertising platforms like Google Ads or Meta Ads
• Professional experience working with Ruby on Rails and/or Kotlin
• Experience or interest in working with React, Type Script, or front end technologies
• Experience working with marketing technology or growth engineering

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 regular onsites. 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.

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At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the…