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Senior Software Engineer
Location
United States
Posted
95 days ago
Salary
$166.9K - $230.9K / year
Seniority
Senior
Job Description
Senior Software Engineer
Upstart
• Design and build scalable systems, services, and user-facing workflows that support Upstart Bank’s core platform and operations • Own technical design and delivery for medium-to-large engineering projects spanning multiple quarters • Translate business, operational, and regulatory requirements into reliable, maintainable software • Improve system reliability, performance, observability, and data consistency across distributed services and integrations • Contribute to architecture and design discussions, helping systems evolve for scale, auditability, and long-term maintainability • Partner with product, compliance, operations, and other engineers to deliver high-quality solutions in a regulated environment • Uphold a high engineering bar through strong implementation, code review, testing, and operational ownership
Job Requirements
- Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
- Experience building and operating production software systems in backend or full-stack environments
- Experience building scalable services, APIs, or web applications in cloud environments
- Experience owning the technical delivery of medium-to-large engineering projects spanning multiple quarters
- Proficiency in at least one modern programming language such as Python, Java, or Kotlin
- Experience working in fintech, banking infrastructure, payments, or other regulated financial systems
- Familiarity with distributed systems, event-driven architectures, and communication frameworks such as Kafka or gRPC
- Experience building systems that support reliability, auditability, and strong operational controls
- Experience working with reporting pipelines, financial data flows, partner integrations, or internal operational tooling
- Ability to collaborate effectively with product, compliance, operations, and engineering partners
- Experience working across both backend services and user-facing application layers
- Proven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settings.
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!).
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