• Own the architecture for the TC.NET product domain, including integrations, network interactions, and cross‑system communication patterns. • Evaluate current state tech stack and lead its modernization using forward‑looking, practical, incremental approaches (no “throw it all out” solutions). • Define and communicate architectural guardrails, design patterns, and technical direction. • Engage directly with code, prototypes, and deep-dive investigations to resolve complex technical problems. • Coach engineers by zooming into component‑level details when needed, while maintaining domain-level architectural ownership. • Demonstrate the technical rigor expected at this level—this role is not management‑focused; engineering leadership already exists on the team. • Work closely with product partners to ensure architectural designs align with strategic needs. • Communicate effectively with engineering teams, leadership, and stakeholders—must be articulate, clear, and able to simplify complex concepts. • Balance modernization of legacy systems with the evolution toward scalable, cloud native and event driven architectures. • Incorporate AI/ML awareness and AI‑assisted system evolution where applicable; candidates must demonstrate foundational understanding of current AI technologies. • Assess the feasibility of modernization options and create incremental upgrade paths.

• Design, build, and maintain automated evidence collection and continuous control testing workflows in Vanta and supporting tools. • Develop and operate GRC automation pipelines using Claude Code and similar AI-assisted development tools — writing scripts, building integrations, and eliminating manual compliance processes at speed. • Build and maintain business intelligence dashboards and metrics reporting for the Security GRC team and broader security organization — including security posture, issue tracking, exception management, risk trends, and program delivery metrics. • Develop integrations between GRC platforms, cloud environments (AWS, GCP), identity providers, and business systems to automate compliance data flows. • Operationalize the AI Governance Council's review process — build intake workflows, risk assessment tooling, and tracking for AI use case governance. • Develop and maintain AI risk assessment frameworks and guardrails aligned to NIST AI RMF, ISO 42001, and emerging regulatory requirements. • Support SOC 2 Type II, HITRUST, HIPAA SRA/PRA, and other audit and assurance activities, through automated evidence preparation and control documentation. • Write scripts and build tooling (Python, APIs, workflow platforms, AI-assisted coding tools) to reduce cycle time and focus on scaling • Maintain and improve the control framework — map controls to obligations, identify gaps, and automate testing where possible. • Partner with SecOps, IT, Privacy, and Engineering teams to integrate GRC requirements into their toolchains and workflows. • Support enterprise risk management activities including risk register maintenance, KRI automation, and risk reporting. • Define and track key metrics across the security organization — translating raw data into executive-ready insights that drive decisions and demonstrate program maturity. • Other duties as assigned.

• Create and iterate landing pages and microsites for paid traffic campaigns (Meta Ads, Google Ads, TikTok Ads) • Develop high-performance interfaces using HTML, CSS and JavaScript • Build integrations and automations between marketing tools (APIs, webhooks, Zapier, Airtable or similar) • Use no-code/low-code tools (Lovable, Webflow, Unbounce or similar) to accelerate builds • Implement tracking and conversion measurement (Google Tag Manager, pixels, custom events) • Ensure technical quality of pages: performance, Core Web Vitals and technical SEO • Collaborate directly with media buyers and the marketing team to optimize campaigns • Ensure pages and funnels comply with advertising policies (Meta and Google) • Create and support CRO experiments (A/B tests, heatmaps, conversion analysis) • Version code and collaborate using Git/GitHub

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