{"schemaVersion":"jobsearcher.job.v1","id":"4c1149ca599f5b9591eae682","url":"https://jobsearcher.com/jobs/4c1149ca599f5b9591eae682","canonicalUrl":"https://jobsearcher.com/jobs/4c1149ca599f5b9591eae682","title":"Software Engineer II, Verifications Decisioning","description":"About Upstart\nAt 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.\nAs 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.\nWe’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.\nIf 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.\nThe Team:\nUpstart’s Verifications Decisioning Engineering team builds the backend platform that powers automated verification, fraud detection, and approval decisions across all lending products. The team owns verification logic, risk signal generation, document automation, bank account integrations, and rule-based decisioning systems that enable near-instant funding experiences. Our north-star goal is to achieve fully automated decisioning while maintaining risk correctness and compliance integrity.\nAs a Software Engineer II you will build and scale backend services that power automated approval decisions, verification workflows, and fraud detection systems. You will work on distributed systems that integrate with third-party data providers, machine learning models, and internal rule engines to power accurate, compliant, and highly automated lending decisions, while collaborating cross-functionally to optimize the verifications journey, and contributing to the development of our next-generation decisioning and automation platform.\nHow you’ll make an impact\nDesign and build backend services that power verification orchestration, risk evaluation, and automated approval decisions.\nDevelop and evolve rule engines and decisioning systems to increase automation coverage across products.\nIntegrate external data providers (e.g., Plaid) into resilient, scalable workflows.\nImprove document automation pipelines including classification, extraction, and fraud detection systems.\nBuild and maintain APIs, Kafka events, and service contracts that enable product teams to consume verification capabilities.\nPartner with ML engineers to productionize risk models and ensure decision correctness at scale.\nContribute to platformization efforts to standardize Verifications stages and enable cross-product reuse.\nStrengthen compliance, data integrity, and observability across verification systems.\nMinimum Qualifications\n4+ years of professional software engineering experience.\nExperience designing and building scalable backend systems in languages such as Java, Kotlin, Go, or Python.\nExperience developing and operating distributed systems, including service-to-service APIs and event-driven architectures.\nExperience contributing to a decision engine that integrates with machine learning models to evaluate signals..\nExperience writing production-quality code with testing and monitoring.\nBachelor’s degree in Computer Science or equivalent practical experience.\nPreferred Qualifications\nExperience building rule engines, decisioning systems, or risk evaluation platforms.\nExperience working with financial services, lending, fraud detection, or identity verification systems.\nExperience integrating third-party APIs and external data providers.\nFamiliarity with workflow orchestration systems (e.g., Temporal).\nExperience working with Kafka or event-driven systems.\nExposure to ML model integration in production systems.\n\nPosition location This role is available in the following locations: Remote\n\nTravel 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 expected 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.\n\nAt 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.\nIn addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).\nUnited States | Remote - Anticipated Base Salary Range\n$142,000—$196,600 USD\nWhat you'll love\nAt Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:\nCompetitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly\nGenerous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year\nEmployee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees\nAffordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose\nHealth Savings Account contributions from Upstart for eligible plans\nIncome protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage\nPaid time off, sick and safe time, and company holidays\nPaid family and parental leave to support caregiving and major life moments\nFamily-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving\nEmployee Assistance Program (EAP) offering mental health support and life-centered resources\nFinancial wellness resources, including access to financial planning tools and a financial concierge service\nAnnual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you\nAnnual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from\nConnection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)\nOnsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).\nUpstart 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.\nIf 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\nhttps://www.upstart.com/candidate_privacy_policy","company":"Upstart Network","rawCompany":"upstart network","city":"Remote","state":"OR","isRemote":false,"isActive":false,"createdAt":"2026-04-14T11:17:12.867Z","occupations":[{"code":"15-1252.00","title":"Software Developers","slug":"software-developers"},{"code":"15-1299.08","title":"Computer Systems Engineers/Architects","slug":"computer-systems-engineers-architects"},{"code":"15-1251.00","title":"Computer Programmers","slug":"computer-programmers"}],"industries":[{"code":"541511","title":"Custom Computer Programming Services","slug":"custom-computer-programming-services"},{"code":"513210","title":"Software Publishers","slug":"software-publishers"},{"code":"522291","title":"Consumer Lending","slug":"consumer-lending"}],"jobPosting":{"@context":"https://schema.org","@type":"JobPosting","title":"Software Engineer II, Verifications Decisioning","description":"About Upstart\nAt 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.\nAs 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.\nWe’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.\nIf 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.\nThe Team:\nUpstart’s Verifications Decisioning Engineering team builds the backend platform that powers automated verification, fraud detection, and approval decisions across all lending products. The team owns verification logic, risk signal generation, document automation, bank account integrations, and rule-based decisioning systems that enable near-instant funding experiences. Our north-star goal is to achieve fully automated decisioning while maintaining risk correctness and compliance integrity.\nAs a Software Engineer II you will build and scale backend services that power automated approval decisions, verification workflows, and fraud detection systems. You will work on distributed systems that integrate with third-party data providers, machine learning models, and internal rule engines to power accurate, compliant, and highly automated lending decisions, while collaborating cross-functionally to optimize the verifications journey, and contributing to the development of our next-generation decisioning and automation platform.\nHow you’ll make an impact\nDesign and build backend services that power verification orchestration, risk evaluation, and automated approval decisions.\nDevelop and evolve rule engines and decisioning systems to increase automation coverage across products.\nIntegrate external data providers (e.g., Plaid) into resilient, scalable workflows.\nImprove document automation pipelines including classification, extraction, and fraud detection systems.\nBuild and maintain APIs, Kafka events, and service contracts that enable product teams to consume verification capabilities.\nPartner with ML engineers to productionize risk models and ensure decision correctness at scale.\nContribute to platformization efforts to standardize Verifications stages and enable cross-product reuse.\nStrengthen compliance, data integrity, and observability across verification systems.\nMinimum Qualifications\n4+ years of professional software engineering experience.\nExperience designing and building scalable backend systems in languages such as Java, Kotlin, Go, or Python.\nExperience developing and operating distributed systems, including service-to-service APIs and event-driven architectures.\nExperience contributing to a decision engine that integrates with machine learning models to evaluate signals..\nExperience writing production-quality code with testing and monitoring.\nBachelor’s degree in Computer Science or equivalent practical experience.\nPreferred Qualifications\nExperience building rule engines, decisioning systems, or risk evaluation platforms.\nExperience working with financial services, lending, fraud detection, or identity verification systems.\nExperience integrating third-party APIs and external data providers.\nFamiliarity with workflow orchestration systems (e.g., Temporal).\nExperience working with Kafka or event-driven systems.\nExposure to ML model integration in production systems.\n\nPosition location This role is available in the following locations: Remote\n\nTravel 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 expected 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.\n\nAt 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.\nIn addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).\nUnited States | Remote - Anticipated Base Salary Range\n$142,000—$196,600 USD\nWhat you'll love\nAt Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:\nCompetitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly\nGenerous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year\nEmployee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees\nAffordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose\nHealth Savings Account contributions from Upstart for eligible plans\nIncome protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage\nPaid time off, sick and safe time, and company holidays\nPaid family and parental leave to support caregiving and major life moments\nFamily-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving\nEmployee Assistance Program (EAP) offering mental health support and life-centered resources\nFinancial wellness resources, including access to financial planning tools and a financial concierge service\nAnnual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you\nAnnual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from\nConnection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)\nOnsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).\nUpstart 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.\nIf 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\nhttps://www.upstart.com/candidate_privacy_policy","datePosted":"2026-04-14T11:17:12.867Z","dateModified":"2026-04-14T11:17:12.867Z","hiringOrganization":{"@type":"Organization","name":"Upstart Network","sameAs":"https://jobsearcher.com"},"jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"Remote","addressRegion":"OR","addressCountry":"US"}},"identifier":{"@type":"PropertyValue","name":"JobSearcher","value":"4c1149ca599f5b9591eae682"},"url":"https://jobsearcher.com/jobs/4c1149ca599f5b9591eae682"}}