• Function as an integral part of the implementation team, assisting as assigned to address client support issues. • Create, revise, and maintain core C++ software to meet client business needs. • Completes functional testing of software prior to code review and client delivery. • Work with a team to confirm project requirements by reviewing software objectives, input data and resulting output. • Perform revision, repair, or improvement of existing programs to increase operating efficiency or adapt to new requirements. • Preserve and optimize quality through testing as required. • Maintain historical records by documenting program development and revisions. • On-call support rotation for after hour emergencies and occasional weekend client conversion support. • Perform other job-related duties as assigned.

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 Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing and access to credit at scale. As a Senior Software Engineer on the Upstart Bank team, you will design and build systems that enable Upstart Bank to operate at scale. Depending on the team, your work may span funding, payments, reporting, partner integrations, and internal operational workflows. You’ll help build reliable, audit-ready software in a regulated environment while supporting seamless borrower and partner experiences. How you’ll make an impact - 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 Minimum Qualifications - 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 Preferred Qualifications - 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. 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 #LI-MidSenior 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

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Principal Software Development Architect Principal Software Development Architect Overview As a Principal Software Architect for Mastercard Commercial Solutions, you will play a critical role in shaping the architecture of a global B2B payments platform designed for scale, security, and performance. This platform supports high-throughput, mission-critical financial transactions and is central to Mastercard's vision of transforming how businesses manage payments. You will lead the design of secure, resilient, and scalable systems, mentor engineering teams, and collaborate closely with product and cross-functional stakeholders to bring complex solutions from concept to production. This role demands deep technical expertise, a strong sense of ownership, and a bias for action.Role Responsibilities• Define and drive high-level architecture and design for core platform capabilities with a focus on security, resiliency, and high throughput.• Lead the creation of technical blueprints, service contracts, and architectural patterns that guide implementation across teams.• Collaborate with product managers and business stakeholders to translate requirements into scalable, secure, and performant solutions.• Provide technical leadership and mentorship, guiding teams through design elaboration, implementation, and delivery.• Ensure alignment with Mastercard's architectural standards and best practices, including 12-factor app principles and cloud-native design.• Conduct design and code reviews to ensure architectural integrity and adherence to non-functional requirements.• Partner with other architects and engineering leaders to evolve the platform's architecture and technical roadmap.• Champion a culture of high accountability, ownership, and continuous improvement. All About You• Proven experience designing and delivering high-volume, secure, and resilient systems in the fintech or payments domain.• Deep expertise in microservices architecture, distributed systems, and cloud-native technologies (e.g., Kubernetes, PCF, AWS/GCP/Azure).• Strong understanding of non-functional requirements such as high availability, performance, scalability, observability, security and fault tolerance.• Hands-on experience with Java, Spring Boot, messaging systems (Kafka, RabbitMQ), and relational databases (Oracle, PostgreSQL).• Experience with J2EE Architecture (e.g. SpringBoot, Jenkins), with Oracle MAA• Experience working in Agile environments, with a strong focus on iterative delivery and continuous feedback.• Excellent communication and collaboration skills, with the ability to influence across technical and non-technical audiences.• Passion for mentoring and growing engineering talent, and for building a strong engineering culture.• A proactive mindset with a bias for action and a commitment to delivering high-quality solutions.• Familiarity with front-end technologies and frameworks (e.g., Angular) is a plus. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: - Abide by Mastercard's security policies and practices; - Ensure the confidentiality and integrity of the information being accessed; - Report any suspected information security violation or breach, and - Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.

• Lead the Flutter Software Team and deliver results by coaching, developing, and managing employees. • Be a highly effective technical leader-by-example, mentoring the Flutter development team and bringing your expertise to guide the design, development, and maintenance of goTenna mobile applications. • Review new product requirements for goTenna mobile apps, then design and implement the data model, control, and customer-facing aspects for those features. • Ensure the highest quality and performance of goTenna’s mobile software by leading the Flutter Software Team in writing world-class code. • Collaborate with firmware, hardware, QA, and product management teams to define, implement, and ship new features. • Ensure highest quality and performance of goTenna’s mobile apps. • Design and develop SDKs for internal and third-party developers. • Providing engineering support for customer issues and general problem-solving. • Giving support to product managers to answer technical customer questions. • Release mobile apps and monitor performance in the Play Store & App Store using Cocoapods, Firebase, Gradle/Maven, Git, and Android studio developer tools.