{"schemaVersion":"jobsearcher.job.v1","id":"fdd995aeb54b466357918474","url":"https://jobsearcher.com/jobs/fdd995aeb54b466357918474","canonicalUrl":"https://jobsearcher.com/jobs/fdd995aeb54b466357918474","title":"Senior Software Engineer","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 Bank Technology team builds the software systems, automation, and internal platforms that enable Upstart Bank to operate efficiently, securely, and at scale. The team partners closely with stakeholders across risk, legal, compliance, and operations to replace manual processes with purpose-built solutions that support the bank's growth and regulatory requirements.\nAs a Senior Software Engineer, you will design and build internal applications that power critical bank functions. You'll work across software systems, automation, integrations, and platform tooling, helping translate complex business requirements into scalable, maintainable solutions that deliver meaningful operational impact.\nHow you'll make an impact\nDesign, build, and maintain internal software platforms that support risk, compliance, legal, and operational workflows across Upstart Bank.\nPartner with cross-functional stakeholders to translate business requirements into scalable technical solutions and intuitive user experiences.\nDevelop and maintain APIs, integrations, and data workflows that connect internal systems with third-party platforms.\nDesign relational data models, authorization frameworks, audit capabilities, and background processing systems that support secure and reliable operations.\nWrite technical designs, architectural documentation, and implementation plans that establish durable engineering patterns and reduce future maintenance costs.\nContribute to technical decisions regarding system architecture, build-versus-buy evaluations, and long-term platform scalability.\nMinimum Qualifications\nBachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 4+ years of software engineering experience.\nExperience designing, building, and operating production web applications used by internal or external customers.\nExperience designing relational database schemas and managing complex data models using PostgreSQL or a similar relational database.\nExperience building and maintaining RESTful APIs, integrations, webhooks, or distributed system interfaces.\nExperience implementing application security fundamentals, including authentication, role-based access control, audit logging, and schema migrations.\nPreferred Qualifications\nKnowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern web application frameworks.\nExperience building internal tooling, workflow platforms, or operational software systems.\nFamiliarity with regulated environments such as financial services, banking, healthcare, or other compliance-driven industries.\nKnowledge of governance, risk, and compliance (GRC) platforms, security tooling, or operational controls.\nAbility to navigate ambiguous requirements and collaborate effectively with both technical and non-technical stakeholders.\n\nPosition location This role is available in the following locations: Remote\n[OPTIONAL] In-Office requirements. You will be required to work from the {insert location} office x days per week/month.\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 encouraged to 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$164,800—$228,400 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\nRetirement 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)\nEmployee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)\nComprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.\nHealth Savings Account contributions from Upstart for eligible plans (US only)\nIncome protection benefits, including life insurance and disability coverage for added financial security\nPaid time off, sick leave, and company holidays, in line with local requirements\nPaid family and parental leave to support caregiving and major life moments (duration varies by country)\nFamily-centered benefits to support fertility, parenthood, and caregiving needs\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 (US Only)\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, all-company updates, and employee resource groups (ERGs)\nOnsite 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!)\nFor roles based in Canada, please note that we are not currently able to hire in Quebec.\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":"2026-07-21T12:26:37.402Z","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":"541512","title":"Computer Systems Design Services","slug":"computer-systems-design-services"}],"jobPosting":{"@context":"https://schema.org","@type":"JobPosting","title":"Senior Software Engineer","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 Bank Technology team builds the software systems, automation, and internal platforms that enable Upstart Bank to operate efficiently, securely, and at scale. The team partners closely with stakeholders across risk, legal, compliance, and operations to replace manual processes with purpose-built solutions that support the bank's growth and regulatory requirements.\nAs a Senior Software Engineer, you will design and build internal applications that power critical bank functions. You'll work across software systems, automation, integrations, and platform tooling, helping translate complex business requirements into scalable, maintainable solutions that deliver meaningful operational impact.\nHow you'll make an impact\nDesign, build, and maintain internal software platforms that support risk, compliance, legal, and operational workflows across Upstart Bank.\nPartner with cross-functional stakeholders to translate business requirements into scalable technical solutions and intuitive user experiences.\nDevelop and maintain APIs, integrations, and data workflows that connect internal systems with third-party platforms.\nDesign relational data models, authorization frameworks, audit capabilities, and background processing systems that support secure and reliable operations.\nWrite technical designs, architectural documentation, and implementation plans that establish durable engineering patterns and reduce future maintenance costs.\nContribute to technical decisions regarding system architecture, build-versus-buy evaluations, and long-term platform scalability.\nMinimum Qualifications\nBachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 4+ years of software engineering experience.\nExperience designing, building, and operating production web applications used by internal or external customers.\nExperience designing relational database schemas and managing complex data models using PostgreSQL or a similar relational database.\nExperience building and maintaining RESTful APIs, integrations, webhooks, or distributed system interfaces.\nExperience implementing application security fundamentals, including authentication, role-based access control, audit logging, and schema migrations.\nPreferred Qualifications\nKnowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern web application frameworks.\nExperience building internal tooling, workflow platforms, or operational software systems.\nFamiliarity with regulated environments such as financial services, banking, healthcare, or other compliance-driven industries.\nKnowledge of governance, risk, and compliance (GRC) platforms, security tooling, or operational controls.\nAbility to navigate ambiguous requirements and collaborate effectively with both technical and non-technical stakeholders.\n\nPosition location This role is available in the following locations: Remote\n[OPTIONAL] In-Office requirements. You will be required to work from the {insert location} office x days per week/month.\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 encouraged to 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$164,800—$228,400 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\nRetirement 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)\nEmployee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)\nComprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.\nHealth Savings Account contributions from Upstart for eligible plans (US only)\nIncome protection benefits, including life insurance and disability coverage for added financial security\nPaid time off, sick leave, and company holidays, in line with local requirements\nPaid family and parental leave to support caregiving and major life moments (duration varies by country)\nFamily-centered benefits to support fertility, parenthood, and caregiving needs\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 (US Only)\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, all-company updates, and employee resource groups (ERGs)\nOnsite 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!)\nFor roles based in Canada, please note that we are not currently able to hire in Quebec.\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":"2026-07-21T12:26:37.402Z","dateModified":"2026-07-21T12:26:37.402Z","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":"fdd995aeb54b466357918474"},"url":"https://jobsearcher.com/jobs/fdd995aeb54b466357918474"}}