Senior Software Engineer, Unsecured Installments

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Senior Software Engineer, Unsecured Installments in USA new

Upstart
Full time
Email

USA
10/15/2026
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Remote

Responsibilities

Own the design, delivery, launch, and long-term maintenance of large backend and full-stack initiatives.
Set technical direction for service architecture, APIs, data models, integrations, and the team’s 3–6 month roadmap.
Partner with product, frontend, design, platform, and backend engineers to build scalable systems for borrower needs.
Improve engineering quality across testing, data integrity, observability, security, reliability, and operational practices.
Break down ambiguous problems into testable plans and make tradeoffs involving scope, scalability, performance, reliability, and customer experience.
Mentor engineers through code reviews, design reviews, and technical guidance.
Contribute to the use of AI in development workflows and product capabilities.

Requirements

Bachelor’s degree in Computer Science, Engineering, or a related field, or equivalent practical experience, plus 6+ years of professional software engineering experience.
Deep proficiency designing and building backend services and APIs with 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.
Demonstrated ability to independently lead large, business-critical backend or full-stack projects in production.
Experience with testing, monitoring, incident response, performance optimization, and long-term operational ownership.
Ability to work effectively in ambiguous environments with evolving requirements and system boundaries.
Strong communication and collaboration skills for explaining technical tradeoffs and aligning product and engineering partners.
Preferred qualifications include technical leadership for product teams or critical systems, consumer-facing or high-volume transactional products, fintech or regulated financial products, asynchronous or event-driven systems, cloud infrastructure, messaging systems, CI/CD workflows, experimentation, feature flags, and generative AI.

Benefits

Remote role with digital-first flexibility across the United States and Canada, with most teams meeting in person once or twice per quarter for 2–4 consecutive days.
Health coverage including medical, dental, vision, wellness resources, and eligible Health Savings Account contributions.
Retirement savings plans with company matching, plus an Employee Stock Purchase Plan for eligible US employees.
Target bonuses, equity grants, paid time off, sick leave, company holidays, and paid family and parental leave.
Life insurance, disability coverage, an Employee Assistance Program, family-centered benefits, financial wellness resources, and annual wellness and productivity allowances.
Team events, company updates, employee resource groups, and onsite office perks including catered lunches and stocked micro-kitchens.
Canada-based employees cannot currently be hired in Quebec.

Salary: $167k - $231k/yr

Upstart

Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates ...

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