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. The Team: The Capital Marketplace vertical is the fuel that powers Upstart’s AI based lending operations. Spread across multiple dynamic high performance teams; Capital Marketplace is in charge of onboarding and maintaining Capital Marketplace relations with both our Lending Partners and Investors. The Partner Experience team owns the platform, tooling, and implementation work that makes it simple for Lending Partners to integrate with, configure, operate, and report on Upstart products (including white-label flows). We provide both our internal and external business partners with reports, forecasting, financial reporting and help optimize the connection between our customer base and the funding suppliers. As the Senior Software Engineer at Upstart, you will contribute to shape up the platform, collaborate with engineers and cross-functional teams such as Product, Analytics, Lending Partnerships, and Capital Marketplace on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems. How you’ll make an impact - Collaborate with product managers, engineers, and business stakeholders to deliver projects that align with business goals - Assist in the design, development, and maintenance of self-service tools that enhance the investor experience - Work with business stakeholders to identify opportunities for process optimization and build solutions that improve business workflows - Develop scalable, reliable systems that meet the needs of both internal users and external investors - Ensure security, performance, and availability of our critical platforms - Participate in code reviews, testing, and the deployment of high-quality code Minimum Qualifications - 5+ years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs - Design, build, and maintain scalable APIs, services, and UIs that enable partners to access performance data, operational workflows, and program controls. - Experience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, 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 Preferred Qualifications - Experience with building robust platform - 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 with Ruby on Rails, Kotlin, or React 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 below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $166,900—$230,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: - Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly - Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees - Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose - Health Savings Account contributions from Upstart for eligible plans - Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage - Paid time off, sick and safe time, and company holidays - Paid family and parental leave to support caregiving and major life moments - Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving - Employee Assistance Program (EAP) offering mental health support and life-centered resources - Financial wellness resources, including access to financial planning tools and a financial concierge service - Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you - Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from - Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) - Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Role Description This recruitment is open to Washington residents and those residing on the ID/WA and OR/WA borders. We are hiring for 2 project positions that are currently funded through June 30, 2027. As the Senior Application Developer, you will design, build, and maintain critical web-based applications and data systems that support statewide public health operations. This recruitment will fill two project positions within the Office of the Secretary & Agency-wide Systems and Operations (OSAO) team, each leading development work for a major statewide initiative: the One Washington system integration effort and the WAHEALTH Real-Time Bed Tracking system. These positions serve as a senior technical specialist responsible for modernizing legacy applications, building new integrations, and ensuring the agency’s systems remain secure, reliable, and capable of supporting core business functions. In this role, you will independently design, develop, test, implement, and maintain complex applications that interact with enterprise data systems and cloud platforms. You will work across the full development lifecycle, including application architecture, database development, testing, deployment, and ongoing system improvements. These systems support critical data reporting and operational coordination across state agencies, hospitals, local health jurisdictions, and other partners. Your work will help ensure the reliability, security, and performance of systems that public health professionals depend on to monitor health data and respond to emerging needs across Washington. Key Responsibilities Include: - Design, develop, and maintain web-based applications and enterprise systems that support public health programs, business operations, and statewide data reporting requirements. - Lead development for major statewide initiatives, including system remediation and integration with the One Washington platform and development of the WAHEALTH Real-Time Bed Tracking system. - Build and manage complex data systems, including relational databases, ETL pipelines, and data services that support reporting, analytics, and system integration. - Implement modern development practices using tools such as Azure services, DevOps pipelines, and source control platforms to support continuous integration, deployment, and high software quality. - Ensure application security, performance, and compliance by applying coding standards, security controls, and testing practices aligned with state and federal requirements. - Plan and coordinate system implementations, including developing project plans, managing timelines, and communicating progress with technical teams and program partners. - Analyze and resolve complex technical issues, identifying root causes, researching solutions, and implementing improvements to maintain system reliability. - Mentor developers and review code to strengthen coding standards, promote secure data practices, and support consistent development across the team. Why You’ll Love This Role: - Work on large-scale technology systems that support mission-critical public health programs across Washington. - Apply your full-stack development and data engineering expertise to complex enterprise applications and modern cloud platforms. - Contribute to systems that enable health data reporting, emergency preparedness, and statewide health coordination. - Support public health partners including hospitals, local health jurisdictions, and state agencies—by building the systems they rely on to make informed decisions. Qualifications - You are a skilled developer who enjoys solving complex technical problems and building systems that people depend on. - You write clean, maintainable code, think critically about system design, and communicate effectively with both technical teammates and business partners. - You bring curiosity, a commitment to continuous learning, and a collaborative mindset. - You understand that reliable technology plays an important role in supporting the programs and services that help protect and improve public health in Washington. Requirements - There are multiple pathways to qualify for this position. You must meet one of the options provided and any additional criteria listed. IT related experience must have been gained through full-time equivalent professional employment and may have gained concurrently. - Option 1: Eleven (11) years (full-time equivalent) of progressive professional experience in one or more of the following IT disciplines: consulting, analyzing, designing, programming, installing and/or maintaining computer software applications. Additional years of experience can substitute for education on a one-for-one basis. - Option 2: An associate’s degree or higher in an Information Technology program or a closely related field AND nine (9) years of progressive professional experience in one or more of the following IT disciplines: consulting, analyzing, designing, programming, installing and/or maintaining computer software applications. Additional years of experience can substitute for education on a one-for-one basis. - Option 3: A bachelor’s degree or higher in Information Technology program or a closely related field AND seven (7) years of progressive professional experience in one or more of the following IT disciplines: consulting, analyzing, designing, programming, installing and/or maintaining computer software applications. Additional years of experience can substitute for education on a one-for-one basis. - At least five (5) years of professional experience in the software development field. Experience must include: - Developing enterprise class, highly secure, and object-oriented web-based application systems. - Experience with integration technologies - API, RESTful services, SFTP, etc. - Experience with programming technologies such as .NET (ASP.Net, MVC, Core), XML/JSON, React, Angular, CSS, JavaScript, HTML, Ajax, jQuery, etc. - Experience with Agile development and methodologies such as Scrum and Kanban. - Ability to clearly communicate concepts and ideas to a variety of audiences both verbally and in writing. - Demonstrated ability to understand every aspect of a technical solution. - Ability to work in a demanding fast-paced environment with multiple deadlines. - Ability to work in a collaborative and team environment. Preferred Qualifications - Bachelor’s degree in Computer Science, Management Information System, or closely allied field (Engineering/Mathematics). - Experience with DevOps and Continuous Integration / Continuous Delivery (CI/CD) practices and tools such as Azure DevOps and GitHub. - Experience developing CaaS applications in technologies such as Azure Container Apps and Docker. - Experience with cloud computing via Azure Services such as Azure Portal, Azure App Services, Application Insights, Azure Storage, Azure SQL and Azure Functions. - Experience developing custom components, templates and web-based applications with the Dynamics 365 PaaS, Power Platform, and Dataverse. - Experience developing custom components, templates and web-based applications with the Salesforce PaaS. Benefits - Comprehensive medical, dental, and vision coverage. - Life and long-term disability insurance. - Flexible spending and health savings accounts. - Retirement plans that help you plan for tomorrow while you’re living today. - Paid holidays, vacation, and sick leave. - Dependent care assistance and professional development opportunities.

• Develop and maintain full-stack features using .NET (Framework/Core) and relational database with HTML/JavaScript • Integrate third-party systems (Internal, Stripe, NetSuite, Simphony, QuickBooks) with internal platforms. • Write and optimize SQL queries (MySQL, PostgreSQL, MSSQL); familiarity with NoSQL (DynamoDB/Mongo) a plus. • Participate in code reviews, pull requests, and collaborative design discussions. • Deploy services using AWS infrastructure (EC2, RDS, Lambda, S3) and manage IIS for legacy .NET apps. • Contribute to CI/CD workflows using Jenkins and GitHub Actions. • Support production issues related to system performance and integration failures/issues. • Assist with creating reporting pipelines using tools like Snowflake, Redshift and SQL. • Work cross-functionally with product, operations, and accounting teams to understand and implement requirements. • Contribute to technical documentation and maintain system/process clarity. • Build and document RESTful APIs for internal and external consumption (Swagger/OpenAPI).

• Contribute to the development and direction of React Native apps and website • Work on PHP/Symfony backend that processes millions of bids on a daily basis • Collaborate in a fast-paced environment that encourages open communication • Work on exciting projects and bring your own ideas to the table