Senior Software Engineer, Unsecured Installments

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 3,000 signals, powering smarter, fairer decisions for...

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 s...

Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience, and 6+ years of professional software engineering experience.
Deep proficiency designing and building backend services and APIs in a language such as Python, Java, Kotlin, Go, Ruby, or Node.js.
Strong experience with service architecture, API design, data modeling, relational or non-relational databases, and distributed systems.
Track record of independently leading the design and delivery of large, business-critical backend or full-stack projects in production.
Experience building reliable production systems, including testing, monitoring, incident response, performance optimization, and long-term operational ownership.
Ability to work effectively in ambiguous environments where product requirements, constraints, and system boundaries evolve over time.
Strong communication and collaboration skills, with the ability to explain technical tradeoffs and align product and engineering partners.

 
Experience serving as the backend or full-stack technical lead for a product team or business-critical system.
Experience building consumer-facing products or high-volume transactional systems with strong requirements around reliability, scalability, correctness, and security.
Background in fintech, lending, payments, or other regulated financial products involving complex workflows and high quality expectations.
Experience with distributed systems, asynchronous processing, event-driven architectures, or service-oriented architectures.
Familiarity with cloud infrastructure, relational and non-relational data stores, messaging systems, and CI/CD workflows.
Experience with experimentation, feature flagging, or platform capabilities that support iterative product improvements in production.
Hands-on experience leveraging generative AI in product features or internal engineering workflows.
Passion for building products that expand access to credit and improve financial outcomes for consumers.