• Design innovative architectures and software designs for cloud applications • Independently manage projects through the development lifecycle • Analyze requirements and create solution concepts • Serve as technical project lead and define work packages for developers • Actively contribute to implementation with deep knowledge of the solution concepts • Advance software development in areas such as Cloud Services, Machine Learning/AI, or IoT • Stay up to date with technology trends and pursue continuous personal development

• Design of architectures and software design for demanding web applications • Independent oversight of projects throughout their development • Analysis of requirements and development of compelling solution concepts • Precise translation into technical specifications • Definition of work packages for developers within agile projects • Support of implementation with expert guidance • Advancement of software development through new topics such as Cloud Services, Machine Learning/AI or IoT • Continuous personal development on technological trends

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: Upstart’s Auto Refi + Auto Secured Personal Loans team is responsible for scaling our auto refinance and auto secured personal loan products. Our highly collaborative team is focused on increasing conversion by eliminating friction for our customers while continuously improving the quality of our product. We work iteratively to provide fast feedback loops so that we can apply new learnings quickly. As a Senior Software Engineer on the team, you will work closely with cross-functional partners to execute projects across the whole stack. You’re a self-starter who delivers work with quality, testability, resiliency, and maintainability in mind. You may currently specialize on the backend or frontend, but you're looking to get your hands into both areas of the stack. You're eager to learn and grow as an individual and a leader and enjoy helping your team do the same. How you’ll make an impact - Lead successful projects working collaboratively with engineering team members and cross-functional partners. - Make thoughtful architectural decisions to improve the quality of our software - Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics - Collaborate with stakeholders to find solutions to our most challenging problems Minimum Qualifications - Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience - Strong focus on full-stack development, distributed systems, and APIs - 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 - Excellent written and verbal communication. As an engineer, a big part of your job will be representing your projects in cross-functional conversations, and you’ll need to tailor your communication style to fit these different audiences’ needs. - Ability to execute independently and deliver projects of varying complexity and sizes with minimal direction. - Comfortable challenging authority. We want engineers who can push back on their managers when they think we’re going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one. - Preference for face-time and synchronous collaboration. We’re a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You’ll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements - This team operates across all U.S. time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses. #LI-REMOTE #LI-Associate 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

It's a new day with a new opportunity at 8am! About the role: At 8am, we’re building the next generation of SaaS products that power how professionals work—from payments and compliance to client experience, mobile workflows, and core platform capabilities. As a Senior Software Engineer on our Engineering team, you’ll play a pivotal role in designing, building, and scaling technology used by hundreds of thousands of professionals across the U.S. This role spans a broad set of high-impact initiatives across our product ecosystem. You may work on evolving shared platform services (such as identity, authentication, and APIs), modernizing and scaling core web applications, building mobile experiences for professionals on the go, or shipping new customer-facing functionality that improves how professionals run their businesses. If you’re energized by solving complex technical challenges, collaborating closely with product and design, and shipping software that makes a real, tangible impact, you’ll thrive here. About us: At 8am, our vision is to power a world where professionals thrive. We start every day on a mission to empower professionals with the most trusted, innovative technology to deliver world-class outcomes for their clients and exceptional financial results for their business. They count on our purpose-built solutions to simplify operations, ensure compliance, and fuel profitable growth, so they can focus on their clients and do more of the work that matters. Founded in 2005, 8am™ (formerly AffiniPay) is the professional business platform built to help legal, accounting, and other client-focused professionals run stronger, more profitable businesses. Today, more than 250,000 professionals across the U.S. trust 8am to help them work smarter, serve clients better, and unlock their full potential. We have been recognized as one of Inc 5000’s fastest growing companies in the U.S. for 13 years in a row, and as a result, our teams continue to grow as well! What you'll do: Build & Scale Product Experiences - Design and implement scalable web applications using modern frameworks such as Ruby on Rails, React, Node/NestJS, and NextJS - Modernize existing applications to enhance user experience, performance, and long-term maintainability - Utilize, contribute to, and evolve reusable UI component libraries - Work closely with UX partners to design and ship intuitive, high-quality user experiences Platform, Architecture & Backend Contributions - Contribute to core platform capabilities that support multiple products (e.g., identity, authentication, APIs, shared services) - Help define and evolve backend architectures that enable scalability, reliability, and sustainable growth - Proactively identify and implement improvements to application performance, scalability, and maintainability - Design, build, and maintain backend services and RESTful APIs Mobile & Emerging Technology - Build or contribute to iOS and Android mobile applications using Expo / React Native, as applicable - Evaluate and implement AI-powered features where they create meaningful customer and business value - Stay current with emerging technologies and apply them thoughtfully to real-world problems Collaboration, Delivery & Technical Leadership - Partner with product managers to assess trade-offs, identify risks, and align technical solutions with business goals - Collaborate with engineers, designers, QA, DevOps, and cross-functional stakeholders to deliver outcomes—not just features - Support software deployments through debugging, troubleshooting, and coordination with DevOps and QA teams - Participate in Agile ceremonies including sprint planning, grooming, and retrospectives - Mentor and coach other engineers, sharing best practices and helping raise the technical bar across the team - Provide technical expertise in software architecture, design patterns, and maintainable system design About you: - Bachelor’s degree in Computer Science or a related field, or equivalent professional experience - 7+ years of experience designing, building, and debugging large-scale, cloud-based applications (with flexibility for deeper senior-level experience) - Experience building production-grade applications with React, including reusable components, complex state management, and performance optimization, with comfort contributing across the full stack. - Professional experience building and maintaining backend services using Ruby on Rails (or deep experience with a comparable MVC framework). - Solid understanding of SOLID principles, software design patterns, and scalable architecture - Proficiency in SQL and experience working with relational databases such as PostgreSQL or MySQL - Experience working in Agile / Lean product development environments (Scrum, Kanban) - Comfortable leveraging AI tools and technologies to improve workflows, productivity, or product capabilities - Excellent communication, collaboration, and documentation skills - Demonstrated experience leveraging AI tools and technologies to improve workflows, enhance decision-making, or drive innovation. Preferred Qualifications: - Experience designing and building distributed systems or shared platform services - Familiarity with authentication and authorization standards (OAuth 2.0, OIDC, SAML) - Experience with asynchronous messaging systems (e.g., Kafka, AWS SQS) - Experience with cloud platforms such as AWS or Google Cloud Platform - Experience with NodeJS, NextJS, and modern frontend technologies (Bootstrap, Tailwind) - Experience building mobile applications using Expo / React Native - Experience deploying applications with Docker and Kubernetes - Background building scalable SaaS products Additional Information The annual salary range for this position is $130,000 to $190,000. The salary range for performing this role outside of the US / Austin / California may differ. 8am is committed to offering competitive, fair and commensurate compensation and has provided an estimated pay range for this role. Actual compensation may vary based on job-related knowledge, skills, experience and education. Why 8am: At 8am, our culture is shaped by the people who bring it to life every day. Together, we build a company rooted in continuous learning, genuine community, holistic wellness, and meaningful engagement—values that empower us as individuals and unite us as a team. Our culture is grounded in our core values: Work Smart, Win Fast; Outshine Ordinary, and We Find a Way. These values drive how we serve our customers and work with each other in a collaborative, inspiring, and empowering environment, every day. Here’s how we support our 8Team: - Health Insurance Coverage: We offer our 8Team a variety of medical, dental, and vision plans, designed to fit your needs, including a 100% company-paid HDHP plan for employees. - Financial perks: We offer a competitive compensation and benefits package including annual bonuses, equity options and 401(k) or RRSP if in Canada, with a company match for all team members. - Time for what matters: Flexible Time Off, paid holidays, and a parental leave program for our new parents. - Wellness: Wellness stipends, mental health support, and one-on-one nutrition coaching. - Learning and Development: Continuous learning through 8am.edu, leadership programs, professional development funds, and individually focused talent development. - Giving back to the communities around us: Participate in our charitable matching gift program, paid time off for volunteer service, and company-sponsored volunteer events (both local and virtually). - Engagement: Virtual and in-person team-building events, quarterly award recognition through our Rise & Shine Award of Excellence Program, and our peer-to-peer appreciation platform. At 8am, we don’t just offer benefits - we create an environment where people can thrive, grow, and make a real impact every day. Diversity, equity & inclusion at 8am: At 8am, we recognize that innovation occurs with a strong team of people who are diverse in background, personality, talent and ideas. Experience comes in many forms and ensuring a diverse and inclusive workplace where we continue to learn from each other is an integral part of our culture. We are committed to creating a welcoming and transparent environment for all that embraces those differences through education, equal access to opportunities and information, inclusionary programs, and community outreach. Security advisory: Our hiring teams at 8am are dedicated to recruiting top talent that share our passion for serving the professional services industry through innovative financial technology. As such, our Talent Acquisition Team only follows legitimate hiring practices. We will always communicate with our candidates using emails with the 8am domain and will never ask for sensitive/personal data during the application process. All interviews take place over phone call, Zoom/Google Meet or in person. All offers are communicated verbally by our Talent Acquisition Specialists with a written offer letter as a follow up.