• Collaborate on some of the world’s toughest engineering challenges • Design and execute scalable platforms • Integrate with medical imaging systems and API • Work with various teams across global locations

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 Monetization team is building the systems that optimize the offers we present to borrowers—balancing customer appeal, lender requirements, and capital availability. We use machine learning, real-time decision engines, and flexible configuration to power accurate, personalized pricing at scale, while ensuring a great borrower experience. 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. This role offers opportunities to deepen your backend expertise while working on impactful infrastructure that supports Upstart’s lending growth and helps deliver better offers to more people. How you’ll make an impact - 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 Minimum 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 Preferred Qualifications - 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 Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements 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 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. #LI-REMOTE 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 $142,000—$196,600 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

• You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. • You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. • You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them. • You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts. • You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. • You will help develop talent on your team by providing feedback and guidance, and leading by example.

About This Role: As a Staff Engineer on the Consumer Payment Portal team, you are the technical heartbeat of our mission to humanize the debt collection process. You will architect and scale the platform that allows distressed borrowers to regain financial control through flexible, digital-first payment solutions. Your goal is to lead the evolution of a secure, high-concurrency payments infrastructure while mentoring the next generation of TrueML engineers to build with precision and empathy. What You'll Do: - Architect Financial Freedom: Lead the design and development of critical payment systems that handle sensitive transactions safely, securely, and at scale. - Expand the Ecosystem: Partner with global payment gateways and providers to integrate new workflows, alternative payment methods (APMs), and flexible scheduling options that meet consumers where they are. - Drive Technical Strategy: Define the long-term roadmap for our payment infrastructure, ensuring our systems stay ahead of industry trends and company growth. - Solve the "Hard" Problems: Dive into complex distributed systems challenges across multiple teams to deliver robust, well-engineered solutions that others might miss. - Elevate the Team: Act as a force multiplier by mentoring senior and junior engineers, fostering a culture of technical excellence and continuous "1% better" improvements. - Champion Operational Excellence: Own the "Definition of Done" for your team, ensuring high standards for code quality, observability, and CI/CD pipelines. - Guard System Reliability: Participate in a 24/7 on-call rotation as a senior escalation point, ensuring our portal remains a reliable resource for customers whenever they need it. Who You Are: - A Seasoned Architect: You bring 8+ years of progressive software engineering experience, with a proven track record of leading large-scale, complex projects from a blank page to production. - A Backend Expert: You possess expert-level proficiency in at least one major language (we use Go, Python, and Javascript) and have deep experience with microservices and distributed systems. - Cloud-Native: You are highly proficient in AWS (or GCP/Azure) and have hands-on experience managing containerized environments using Docker and Kubernetes. - A Systems Thinker: You have an elite grasp of data structures, algorithms, and design patterns, with the ability to articulate "why" a specific architecture is the right choice for the business. - A High-Impact Communicator: You can translate high-level business goals into technical requirements and explain complex architectural trade-offs to non-technical stakeholders. - A Mentor at Heart: You find genuine satisfaction in helping other engineers grow and are committed to fostering a collaborative, high-performing environment.