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Software Engineer II, Verifications Decisioning
Location
United States
Posted
96 days ago
Salary
$142K - $196.6K / year
Seniority
Senior
Job Description
Software Engineer II, Verifications Decisioning
Upstart
• Design and build backend services that power verification orchestration, risk evaluation, and automated approval decisions. • Develop and evolve rule engines and decisioning systems to increase automation coverage across products. • Integrate external data providers (e.g., Plaid) into resilient, scalable workflows. • Improve document automation pipelines including classification, extraction, and fraud detection systems. • Build and maintain APIs, Kafka events, and service contracts that enable product teams to consume verification capabilities. • Partner with ML engineers to productionize risk models and ensure decision correctness at scale. • Contribute to platformization efforts to standardize Verifications stages and enable cross-product reuse. • Strengthen compliance, data integrity, and observability across verification systems.
Job Requirements
- 4+ years of professional software engineering experience.
- Experience designing and building scalable backend systems in languages such as Java, Kotlin, Go, or Python.
- Experience developing and operating distributed systems, including service-to-service APIs and event-driven architectures.
- Experience contributing to a decision engine that integrates with machine learning models to evaluate signals.
- Experience writing production-quality code with testing and monitoring.
- Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience
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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