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Upstart Logo Upstart · IT - Software Development

Senior Software Engineer, New Product

United States, Remote 142000.00 - 226400.00 USD / Year · Job Posted January 18, 2026
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Job Description

Senior Software Engineer role on the Recurring Credit team, building a mobile-first line of credit product to replace payday loans and subprime credit cards. The team operates like a startup inside Upstart, focused on AI-native engineering workflows and outcomes for underserved consumers.

Job Responsibility

  • Design and build core backend systems that power instant disbursements, subscription billing, and repayment schedules
  • Develop distributed, event-driven services that guarantee reliability and scale—covering retries, ordering, schema evolution, and observability
  • Translate product intent into customer impact by collaborating closely with product and design to ship high-quality user-facing features quickly
  • Leverage AI-native workflows (e.g., Copilot, Cursor, LLM-powered tooling) to accelerate coding, testing, and analysis
  • Ensure trust and transparency at the system level by instrumenting metrics, logs, and traces tied to business and user outcomes
  • Balance speed and quality in a greenfield codebase, helping set the technical direction for a product with zero-to-one momentum and long-term scale
  • Shape engineering culture and velocity through thoughtful APIs, automation, and scalable practices

Requirements

  • 4+ years of experience building backend systems in production, ideally powering consumer-facing products
  • Strong technical depth in distributed, event-driven architectures (Kafka, SQS, Kinesis, MQ) including idempotency, retries, DLQs, and ordering
  • Proficiency in an OO language (Java, Kotlin, C#, Python, Ruby) and comfort with relational databases, caching layers, and API design
  • Demonstrated ability to ship zero-to-one systems or products, making tradeoffs in ambiguous environments
  • A track record of connecting backend work to product outcomes (conversion, reliability, payments, onboarding)
  • Experience designing with observability and reliability in mind (metrics, traces, logs, SLOs)
  • Active use of AI tools in engineering workflows beyond autocomplete, with curiosity about how AI changes how teams build
  • Strong written and verbal communication skills
  • able to explain complex systems and tradeoffs clearly

Nice to have

  • Experience with fintech or payments systems such as disbursements, billing, ledgers, KYC/IDV, or credit/underwriting flows
  • Practical experience with instant funding rails and the challenges of fraud, reconciliation, and compliance
  • Familiarity with schema evolution and contracts (e.g., Protobuf, Avro) and safe data migrations in distributed systems
  • Track record of building or scaling consumer-facing flows with measurable impact on conversion or reliability
  • Comfort navigating regulated domains and collaborating with legal, servicing, capital markets, or external partners
  • Evidence of tenure and progression within one company (promotions, expanding scope) and resilience through challenging product phases
  • Demonstrated interest in agentic or AI-assisted systems, applying LLMs to design, testing, analysis, or automation

What we offer

  • Competitive Compensation (base + bonus & equity)
  • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
  • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
  • Employee Stock Purchase Plan (ESPP)
  • Life and disability insurance
  • Generous holiday, vacation, sick and safety leave
  • Supportive parental, family care, and military leave programs
  • Annual wellness, technology & ergonomic reimbursement programs
  • Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
  • Catered lunches + snacks & drinks when working in offices
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