Software Engineer, Distribution Platform

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 Mathematics, or a related field (or its equivalent) + 3 years of experience
Strong proficiency in one or more programming languages such as Ruby, Java, Kotlin, Python, or Javascript
Experience building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP).
Experience leading small to medium sized projects over multiple months and/or multiple engineers
Excellent written and verbal communication skills with the ability to work in a distributed team 
Experience working on systems that integrate with 3rd parties and/or ingest, store, expose large amounts of data
Experience with SQL, data warehouses, or other database technologies
Professional experience with digital advertising platforms like Google Ads or Meta Ads
Professional experience working with Ruby on Rails and/or Kotlin
Experience or interest in working with React, typescript, or front end technologies
Experience working with marketing technology or growth engineering