Software Engineer, Foundations - Engineering 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 Foundations team builds and maintains the large-scale data platforms that support Growth marketing initiatives across the business. The team powers audience segmentation, marketing campaign enablement, and user session attribution systems that directly influence customer acquisition and loan conversion outcomes. As a Software Engineer, Foundations at Upstart, you will help scale and extend backend data systems that enable high-quality, reliable marketing data workflows. You will partner closely with engineering, product, and marketing stakeholders to improve data availability, maintainability, and observability while supporting business-critical marketing operations. How you’ll make an impact - Build and maintain scalable backend systems and data pipelines that support audience segmentation and marketing attribution workflows - Partner with product managers, marketers, and engineers to deliver data solutions that support customer acquisition and conversion goals - Extend existing data infrastructure to support increasing data volumes, evolving business requirements, and new integrations - Contribute to data quality initiatives by implementing monitoring, validation, and guardrail mechanisms across critical datasets - Participate in technical discussions around architecture, access patterns, and platform scalability to support long-term platform growth Minimum Qualifications - Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) plus 3 years of software engineering experience - 3+ years of experience building and maintaining backend distributed systems or large-scale data platforms - Experience working with data processing systems, databases, or data pipelines in production environments - Experience implementing fault tolerance, monitoring, and observability practices for backend systems - Experience collaborating cross-functionally with engineering, product, or business stakeholders to deliver technical solutions Preferred Qualifications - Knowledge of data modeling and schema design best practices for large-scale data systems - Experience supporting marketing technology, attribution, or customer segmentation platforms - Familiarity with data governance, privacy, and PII security considerations - Ability to balance short-term feature delivery with long-term platform maintainability and scalability - Experience contributing to architectural discussions and improving engineering best practices across teams Position location This role is available in the following locations: Remote 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-Associate 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—$196,000 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 - Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) - Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. - Health Savings Account contributions from Upstart for eligible plans (US only) - Income protection benefits, including life insurance and disability coverage for added financial security - Paid time off, sick leave, and company holidays, in line with local requirements - Paid family and parental leave to support caregiving and major life moments (duration varies by country) - Family-centered benefits to support fertility, parenthood, and caregiving needs - 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 (US Only) - 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, all-company updates, and employee resource groups (ERGs) - Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. 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.

• Build the application-layer foundations for AI integration at Roofr — the integration patterns, agent scaffolding, and shared architecture that product teams depend on when shipping AI-powered features • Design and implement reliable, scalable integrations with third-party services and APIs • Build data pipelines that feed Roofr's AI systems — including structured data feeds, embeddings, and retrieval infrastructure • Design and maintain rigorous evaluation frameworks for AI systems — including accuracy benchmarks, regression suites, and automated quality checks that give the team confidence to iterate quickly • Collaborate horizontally across engineering teams to understand needs, establish shared patterns, and ensure the platform is built for real use cases • Take strong ownership of what you build — reliability, performance, and developer experience are part of the job, not an afterthought • Contribute to standards and best practices for how Roofr builds with AI • Stay close to the evolving AI landscape and bring pragmatic, well-reasoned ideas to the team

Role Description Estamos reinventando la experiencia financiera para millones de latinos en el mundo. Buscamos un/a Backend Engineer Senior que no solo construya APIs — sino que diseñe experiencias inteligentes que cambien la forma en que las personas mueven su dinero. Tareas - Diseñar y mantener la capa BFF que alimenta nuestras apps móviles - Orquestar llamadas a microservicios, optimizar payloads, manejar caching y autenticación - Integrar asistentes conversacionales con RAG sobre datos financieros del cliente - Construir agentes autónomos para onboarding y resolución de problemas sin fricción - Diseñar personalización hiper-contextual en tiempo real Qualifications - Experiencia sólida en Node.js/TypeScript, GraphQL/REST, AWS - Haber puesto pipelines RAG en producción (embeddings, vector stores, chunking) - Dominar orquestación de agentes: tool calling, function calling, chains - Manejo de frameworks como LangChain, LlamaIndex o similares - Experiencia con modelos Anthropic/OpenAI en producción - Entender que en fintech la latencia y la precisión no son negociables Requirements - Feature flags, OpenTelemetry, CI/CD en entornos fintech - Haber diseñado APIs pensadas para consumo mobile real - Pensar que el BFF del futuro es un agente, no un controller - Experiencia con productos y negocios B2B Benefits - Trabajo 100% remoto - Ser parte del equipo que construye el core financiero de una fintech en crecimiento - Días Libres ilimitados - Feriados de tu ubicación - Problemas técnicos reales: consistencia eventual, idempotencia, reconciliación, resiliencia - Un equipo que entiende que velocidad sin calidad en fintech es un riesgo existencial Company Description We facilitate money transfers between countries through easy, fast and secure transactions with fair rates for all levels of the population. 30 second payment experience with the perfect mix between exchange rates, delivery times and trust. - Building the next Unicorn

Role Description Operaciones es donde la magia se encuentra con la realidad. Buscamos un/a Backend Engineer Senior que mire el caos operativo y vea oportunidad: transformar operaciones con agentes autónomos, no con más headcount. - Construir y evolucionar herramientas internas de gestión de transacciones y soporte - Diseñar agentes que resuelvan tickets de soporte end-to-end sin intervención humana - Implementar pipelines RAG sobre documentación regulatoria para compliance - Construir sistemas de extracción inteligente de documentos (KYC, identity, onboarding) - Automatizar workflows operativos que hoy frenan el crecimiento - Integrar con Salesforce y flujos de backoffice existentes Qualifications - Experiencia sólida en Node.js/TypeScript, AWS, integración con Salesforce - Haber puesto agentes en producción — no demos, no prototipos - Dominar RAG, tool calling y evaluación de outputs de LLMs - Saber diseñar guardrails reales para cuando el modelo se equivoca - Experiencia con document parsing, OCR/IDP - Capacidad de medir ROI de automatización con IA Requirements - Experiencia en workflows agentic complejos (multi-step, multi-tool) - Haber trabajado con documentación regulatoria o compliance - Pensar que el mejor equipo de ops del futuro es un equipo chico con agentes Benefits - Trabajo 100% remoto - Ser parte del equipo que construye el core financiero de una fintech en crecimiento - Días Libres ilimitados - Feriados de tu ubicación - Problemas técnicos reales: consistencia eventual, idempotencia, reconciliación, resiliencia - Un equipo que entiende que velocidad sin calidad en fintech es un riesgo existencial Company Description We facilitate money transfers between countries through easy, fast and secure transactions with fair rates for all levels of the population. 30 second payment experience with the perfect mix between exchange rates, delivery times and trust. - Building the next Unicorn