• Design and build end-to-end features across frontend and backend systems • Develop scalable, maintainable, and secure software architectures • Implement AI-powered features using LLMs, embeddings, agents, or ML services • Use AI productivity tools to accelerate development, testing, and documentation • Collaborate with product, design, and platform teams • Participate in code reviews and contribute to engineering best practices

Role Description As the Software Engineer II at Upstart, you will: - Collaborate with engineers and cross-functional partners across Product, Analytics, Machine Learning, and Capital Markets to build scalable systems that respond to changing lender needs, funding dynamics, and borrower behavior. - Design, build, and maintain real-time services that power origination fee computation and offer filtering. - Develop scalable, reliable systems that support experimentation and rapid response to market changes. - Collaborate with product managers, analysts, and engineers to drive smarter pricing decisions and efficient capital deployment. - Work with business stakeholders to identify opportunities for optimizing marketplace performance and lender alignment. - Ensure the security, performance, and availability of critical pricing platforms. - Participate in code reviews, testing, and the deployment of high-quality code. Qualifications - Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience, with a strong focus on distributed systems and APIs. - Experience with some or many of the following: Kotlin, Python, PostgreSQL, Ruby on Rails. - 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. Requirements - Experience in fintech, particularly in areas such as dynamic pricing, revenue optimization, or capital markets. - Familiarity with machine learning models and their integration into production systems. - 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. Benefits - 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!).

Job Title: Software Engineer Position Type: Full-Time – Remote Working Hours: U.S. business hours (with flexibility depending on project and collaboration needs) About the Role Our client is seeking a talented Software Engineer to design, develop, and maintain high-quality software applications. This role is central to building and optimizing API connections, improving workflows, developing user interfaces, and integrating emerging technologies — including AI. You will work closely with cross-functional teams to deliver robust, scalable solutions while contributing to a fast-growing, collaborative engineering culture. This is an opportunity to join a rapidly expanding organization (150%+ year-over-year growth) that values innovation, mentorship, and professional development. Responsibilities API Development & Integration - Manage and maintain the company’s suite of API tools and integrations. - Troubleshoot and resolve API-related issues across backend systems. - Ensure seamless communication between backend services and workflows. Workflow Optimization - Assist in developing, improving, and automating business workflows. - Understand system interconnectivity to ensure holistic optimization. Frontend & User Interface Development - Design and implement interactive and user-friendly interfaces. - Collaborate with product and design teams to support frontend requirements. Innovation & AI Implementation - Explore new technologies and implement cutting-edge solutions, including AI capabilities. - Recommend tools, frameworks, or processes that enhance engineering efficiency. Cross Functional Collaboration - Work closely with product, operations, and engineering teams. - Contribute ideas and technical insights to improve the organization’s overall technology stack and development practices. What Makes You a Perfect Fit - You are a collaborative problem-solver with strong analytical abilities. - You’re excited about backend, frontend, and API-driven development. - You love learning new technologies — especially AI — and applying them creatively. - You thrive in fast-paced environments and adapt quickly to evolving tools and frameworks. - You communicate effectively and enjoy working closely with cross-functional teams. - You’re proactive, resourceful, and always looking for ways to improve systems and workflows. Required Experience & Skills - Strong interest and competency in backend, frontend, and API orchestration. - Knowledge of programming languages such as Python, JavaScript, TypeScript, or Java. - Familiarity with API tools and integration concepts. - Basic understanding of HTML, CSS, React, Angular, Flask, Selenium, Playwright, or Node.js (experience is a plus, not required). - Excellent problem-solving and communication skills. - Ability to prioritize tasks in a deadline-driven environment. - Ability to work legally in the United States and communicate effectively in English. Ideal Experience & Skills - Experience with API development and automation. - Frontend experience with modern JavaScript frameworks (React/Angular). - Familiarity with workflow automation and backend system optimization. - Exposure to AI-driven technologies or tools. - Experience working in high-growth, fast-moving engineering teams. - Demonstrated ability to suggest, test, and implement new tools or processes. What Does a Typical Day Look Like? A typical day as a Software Engineer includes: - Reviewing open tasks, API workflows, and ongoing development priorities. - Building, optimizing, and maintaining software components and integrations. - Designing or improving user interfaces for internal or customer-facing tools. - Collaborating with cross-functional teams to solve technical challenges. - Exploring new technologies, frameworks, or AI solutions to enhance functionality. - Troubleshooting backend or API performance issues and implementing fixes. - Ending the day by documenting updates, deployments, or technical learnings. In essence: you help build, optimize, and scale the systems that power the company’s technology engine. Key Metrics for Success (KPIs) - Stability and optimization of API connections. - Workflow efficiency improvements and reduced manual tasks. - Quality and performance of software components delivered. - Timely completion of development tasks and sprints. - Internal team satisfaction and collaboration effectiveness. - Contribution to innovation, new solutions, and process enhancements. Interview Process - Initial Phone Screen - Technical Interview with Pavago Recruiter or Engineering Lead - Practical Task (e.g., API workflow simulation or coding assignment) - Client Interview with Engineering/Technical Leadership - Offer & Background Verification

Job Title: Software Engineer Position Type: Full-Time – Remote Working Hours: U.S. business hours (with flexibility depending on project and collaboration needs) About the Role Our client is seeking a talented Software Engineer to design, develop, and maintain high-quality software applications. This role is central to building and optimizing API connections, improving workflows, developing user interfaces, and integrating emerging technologies — including AI. You will work closely with cross-functional teams to deliver robust, scalable solutions while contributing to a fast-growing, collaborative engineering culture. This is an opportunity to join a rapidly expanding organization (150%+ year-over-year growth) that values innovation, mentorship, and professional development. Responsibilities API Development & Integration - Manage and maintain the company’s suite of API tools and integrations. - Troubleshoot and resolve API-related issues across backend systems. - Ensure seamless communication between backend services and workflows. Workflow Optimization - Assist in developing, improving, and automating business workflows. - Understand system interconnectivity to ensure holistic optimization. Frontend & User Interface Development - Design and implement interactive and user-friendly interfaces. - Collaborate with product and design teams to support frontend requirements. Innovation & AI Implementation - Explore new technologies and implement cutting-edge solutions, including AI capabilities. - Recommend tools, frameworks, or processes that enhance engineering efficiency. Cross Functional Collaboration - Work closely with product, operations, and engineering teams. - Contribute ideas and technical insights to improve the organization’s overall technology stack and development practices. What Makes You a Perfect Fit - You are a collaborative problem-solver with strong analytical abilities. - You’re excited about backend, frontend, and API-driven development. - You love learning new technologies — especially AI — and applying them creatively. - You thrive in fast-paced environments and adapt quickly to evolving tools and frameworks. - You communicate effectively and enjoy working closely with cross-functional teams. - You’re proactive, resourceful, and always looking for ways to improve systems and workflows. Required Experience & Skills - Strong interest and competency in backend, frontend, and API orchestration. - Knowledge of programming languages such as Python, JavaScript, TypeScript, or Java. - Familiarity with API tools and integration concepts. - Basic understanding of HTML, CSS, React, Angular, Flask, Selenium, Playwright, or Node.js (experience is a plus, not required). - Excellent problem-solving and communication skills. - Ability to prioritize tasks in a deadline-driven environment. - Ability to work legally in the United States and communicate effectively in English. Ideal Experience & Skills - Experience with API development and automation. - Frontend experience with modern JavaScript frameworks (React/Angular). - Familiarity with workflow automation and backend system optimization. - Exposure to AI-driven technologies or tools. - Experience working in high-growth, fast-moving engineering teams. - Demonstrated ability to suggest, test, and implement new tools or processes. What Does a Typical Day Look Like? A typical day as a Software Engineer includes: - Reviewing open tasks, API workflows, and ongoing development priorities. - Building, optimizing, and maintaining software components and integrations. - Designing or improving user interfaces for internal or customer-facing tools. - Collaborating with cross-functional teams to solve technical challenges. - Exploring new technologies, frameworks, or AI solutions to enhance functionality. - Troubleshooting backend or API performance issues and implementing fixes. - Ending the day by documenting updates, deployments, or technical learnings. In essence: you help build, optimize, and scale the systems that power the company’s technology engine. Key Metrics for Success (KPIs) - Stability and optimization of API connections. - Workflow efficiency improvements and reduced manual tasks. - Quality and performance of software components delivered. - Timely completion of development tasks and sprints. - Internal team satisfaction and collaboration effectiveness. - Contribution to innovation, new solutions, and process enhancements. Interview Process - Initial Phone Screen - Technical Interview with Pavago Recruiter or Engineering Lead - Practical Task (e.g., API workflow simulation or coding assignment) - Client Interview with Engineering/Technical Leadership - Offer & Background Verification