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 TeamUpstart's Bank Technology team builds the software systems, automation, and internal platforms that enable Upstart Bank to operate efficiently, securely, and at scale. The team partners closely with stakeholders across risk, legal, compliance, and operations to replace manual processes with purpose-built solutions that support the bank's growth and regulatory requirements. As a Senior Software Engineer, you will design and build internal applications that power critical bank functions. You'll work across software systems, automation, integrations, and platform tooling, helping translate complex business requirements into scalable, maintainable solutions that deliver meaningful operational impact. How you'll make an impact - Design, build, and maintain internal software platforms that support risk, compliance, legal, and operational workflows across Upstart Bank. - Partner with cross-functional stakeholders to translate business requirements into scalable technical solutions and intuitive user experiences. - Develop and maintain APIs, integrations, and data workflows that connect internal systems with third-party platforms. - Design relational data models, authorization frameworks, audit capabilities, and background processing systems that support secure and reliable operations. - Write technical designs, architectural documentation, and implementation plans that establish durable engineering patterns and reduce future maintenance costs. - Contribute to technical decisions regarding system architecture, build-versus-buy evaluations, and long-term platform scalability. Minimum Qualifications - Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 4+ years of software engineering experience. - Experience designing, building, and operating production web applications used by internal or external customers. - Experience designing relational database schemas and managing complex data models using PostgreSQL or a similar relational database. - Experience building and maintaining RESTful APIs, integrations, webhooks, or distributed system interfaces. - Experience implementing application security fundamentals, including authentication, role-based access control, audit logging, and schema migrations. Preferred Qualifications - Knowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern web application frameworks. - Experience building internal tooling, workflow platforms, or operational software systems. - Familiarity with regulated environments such as financial services, banking, healthcare, or other compliance-driven industries. - Knowledge of governance, risk, and compliance (GRC) platforms, security tooling, or operational controls. - Ability to navigate ambiguous requirements and collaborate effectively with both technical and non-technical stakeholders. Position location This role is available in the following locations: Remote [OPTIONAL] In-Office requirements. You will be required to work from the {insert location} office x days per week/month. 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 $164,800—$228,400 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Role Description This role is a chance to work on mission-critical pharmacy claims systems while blending deep legacy expertise with modern development practices and AI-assisted tools. You won’t be “phasing out” your skillset—you’ll be evolving it. As a Developer, you will: - Work on RxCLAIM / Claim Adjudication enhancements, focusing on claim processing logic and system integrations. - Develop and enhance applications interacting with downstream healthcare systems. - Maintain and improve existing systems while building new solutions. - Analyze, troubleshoot, and resolve complex production issues. - Document system flows and business logic. Qualifications - 7+ years of experience with Synon development. - Strong hands-on experience with COBOL programming in enterprise environments. - Extensive experience with IBM i (AS400) environments. - Experience troubleshooting batch processing and high-volume transaction systems. - Ability to take on leadership responsibilities if/when needed. Requirements - Participation in both internal meetings and external meetings via video calls, as necessary. - Ability to go into corporate or client offices to work onsite, as necessary. - Prolonged periods of remaining stationary at a desk and working on a computer, as necessary. - Ability to bend, kneel, crouch, and reach overhead, as necessary. - Hand-eye coordination necessary to operate computers and various pieces of office equipment, as necessary. - Vision abilities including close vision, toleration of fluorescent lighting, and adjusting focus, as necessary. - For positions that require business travel and/or event attendance, ability to lift 25 lbs, as necessary. - For positions that require business travel and/or event attendance, a valid driver’s license and acceptable driving record are required, as driving is an essential job function. - If requested, reasonable accommodations will be made to enable employees requiring accommodations to perform the essential functions of their jobs, absent undue hardship. Benefits - Robust healthcare and benefits including Medical, Dental, vision, Disability coverage, and various other benefit options. - Flexible Spending Accounts (Medical, Transit, and Dependent Care). - Employer Paid Life Insurance and AD&D Coverages. - Health Savings account paired with our low-cost High Deductible Medical Plan. - 401(k) Safe Harbor Retirement plan with employer match with immediate vesting.

• Develop, maintain, and optimize LookML models, explores, and dashboards in Looker. • Work directly with business stakeholders and customers to gather requirements and translate them into analytics solutions. • Lead requirement discussions and clarify ambiguous business needs. • Design scalable data models and KPI-driven reporting solutions. • Collaborate with Data Engineers, Analysts, and Cloud teams for end-to-end analytics delivery. • Create structured documentation for business requirements, KPI definitions, and technical implementations. • Ensure data quality, consistency, and performance optimization across dashboards and reports. • Support customer-facing discussions, demos, and solution walkthroughs. • Participate in Agile ceremonies including sprint planning, stand-ups, and retrospectives.

• Own the engineering organization for cash delivery platform • Own multi-year technical strategy for the platform • Protect and scale the culture as we grow • Own engineering delivery • Drive operational excellence • Represent engineering at the leadership level • Coach and develop engineers through 1:1s • Set the technical quality bar