[Remote] Senior Software Engineer - Partner Integrations and Origination Platform

Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for all Americans. As a Senior Software Engineer, you will design and build scalable backend systems that improve origination workflows and support Upstart’s platform evolution.

Responsibilities

• Design and build scalable backend services and platform capabilities that support origination workflows across multiple products and lending partners
• Improve the reliability, observability, and operational resilience of critical origination systems and APIs
• Refactor and decouple legacy systems to create reusable, product-agnostic platform infrastructure that scales across partner and product types
• Build orchestration and workflow solutions that streamline partner onboarding, reduce manual operational work, and improve system consistency
• Collaborate closely with Engineering, Product, Lending Partnerships, Compliance, Legal, and Loan Sales teams to deliver secure and scalable lending experiences
• Drive technical design discussions, author design documents, and contribute to engineering best practices for system quality, monitoring, and operational excellence
• Use AI-assisted development tools and automation thoughtfully to improve engineering productivity and reduce repetitive workflows
• Participate in operational support and incident response, helping identify root causes and implement long-term system improvements

Skills

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or its equivalent) and 4+ years of software engineering experience
• 6+ years of experience building and operating backend services, APIs, or data-intensive systems in production environments
• Experience owning software through the full development lifecycle, including design, implementation, deployment, monitoring, and on-call support
• Proficiency with at least one modern backend development framework or programming language; experience with Ruby on Rails or the ability to ramp quickly in a Ruby-based codebase
• Experience designing distributed systems, service integrations, or workflow-based architectures that support scalability and reliability
• Experience working in fintech, lending, banking, or capital markets environments with high expectations for data accuracy, auditability, and system reliability
• Knowledge of orchestration platforms or workflow engines such as Temporal
• Ability to identify operational inefficiencies and build scalable automation or self-service tooling to improve engineering workflows
• Skills in system observability, incident analysis, and production monitoring practices
• Experience using AI-assisted development tools, automation frameworks, or AI agents to improve software engineering productivity and operational efficiency

Benefits

• Target bonuses
• Equity compensation
• Generous benefits packages (including medical, dental, vision, and 401k)
• 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!)

Company Overview

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