Senior Software Engineer

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. But the numbers only hint at the impact. 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 Bank Technology team builds the software systems, automation, and internal platforms that enable Upstart Bank to operate efficiently, securely, and  team partners closely with stakeholders across risk, legal, compliance, and operations to replace manual processes with purpose‑built solutions that support the bank’s growth and regulatory requirements.

As a Senior Software Engineer, you will design and build internal applications that power critical bank functions. You’ll work across software systems, automation, integrations, and platform tooling, helping translate complex business requirements into scalable, maintainable solutions that deliver meaningful operational impact.

• Design, build, and maintain internal software platforms that support risk, compliance, legal, and operational workflows across Upstart Bank.
• Partner with cross‑functional stakeholders to translate business requirements into scalable technical solutions and intuitive user experiences.
• Develop and maintain APIs, integrations, and data workflows that connect internal systems with third‑party platforms.
• Design relational data models, authorization frameworks, audit capabilities, and background processing systems that support secure and reliable operations.
• Write technical designs, architectural documentation, and implementation plans that establish durable engineering patterns and reduce future maintenance costs.
• Contribute to technical decisions regarding system architecture, build‑versus‑buy evaluations, and long‑term platform scalability.

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 4+ years of software engineering experience.
• Experience designing, building, and operating production web applications used by internal or external customers.
• Experience designing relational database schemas and managing complex data models using PostgreSQL or a similar relational database.
• Experience building and maintaining RESTful APIs, integrations, webhooks, or distributed system interfaces.
• Experience implementing application security fundamentals, including authentication, role‑based access control, audit logging, and schema migrations.

• Knowledge of Type Script, Node.js, Next.js, Prisma, or similar modern web application frameworks.
• Experience building internal tooling, workflow platforms, or operational software systems.
• Familiarity with regulated environments such as financial services, banking, healthcare, or other compliance‑driven…