Senior Software Engineer - Lending Platform

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 Team Upstart's Lending Platform team builds the systems that power critical financial operations across the company.

The team develops highly scalable, event-driven platforms that automate accounting close processes, capital risk workflows, and other finance capabilities that support the accuracy and integrity of Upstart's financial operations. As a Senior Software Engineer, you'll design and deliver the core systems that process large volumes of financial data and events. Your work will directly influence the reliability of Upstart's balance sheet, accelerate finance automation, and create a strong technical foundation for future investments across Treasury and other financial platforms.

How you'll make an impact Design, build, and operate distributed, event-driven systems that power accounting close automation and capital risk workflows. Deliver scalable data processing solutions that transform high-volume financial events into accurate, reliable business outcomes. Partner closely with Product, Data Analytics, Finance, and Engineering teams to define technical solutions for complex financial processes.

Improve the reliability, scalability, and maintainability of critical financial systems while thoughtfully managing technical debt. Lead multi-quarter engineering initiatives from architecture through production, balancing long-term platform investments with business priorities. Leverage AI-assisted development tools to improve engineering productivity while maintaining high standards for quality, security, and correctness.

Minimum Qualifications

Bachelor's degree in Computer Science, Engineering, Mathematics, or a related technical field (or equivalent practical experience). 4+ years of professional software engineering experience building and operating production systems. (L5 standard) .

Experience designing and building distributed, event-driven applications in cloud environments such as AWS. Experience developing scalable backend services that process large volumes of data using modern programming languages. Experience designing, testing, and deploying reliable production systems using software engineering best practices.

Preferred Qualifications

Knowledge of financial systems, accounting processes, or capital risk management. Experience building high-throughput data processing or event streaming platforms.