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Upstart Logo Upstart · IT - Software Development

Software Engineer, Servicing

United States 113800.00 - 196600.00 USD / Year · Job Posted January 24, 2026
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Job Description

As a Software Engineer on our Servicing Engineering team, you’ll work closely with cross-functional partners to identify areas for improvement, automate repetitive tasks, and implement scalable solutions. By optimizing workflows, integrating systems, and leveraging technology, we empower our servicing partners to prioritize high-value activities and deliver exceptional service to our customers. Your contributions will be instrumental in delivering exceptional customer experiences, while driving continuous improvement in our servicing capabilities to meet the growing demands of our unique role in the fintech ecosystem.

Job Responsibility

  • Work within all areas of the platform from our web interfaces and 3rd party API integrations to backend business logic
  • Move quickly to drive both existing and greenfield projects forward, while always keeping our end users in mind
  • Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base
  • Help us build our engineering team and make Upstart a genuinely awesome place to work

Requirements

  • 2+ years of experience developing full stack web applications professionally
  • Proficiency in one or more programming languages
  • Solid grasp of software development principles and best practices for creating scalable and maintainable systems
  • Proven ability to effectively analyze and solve complex problems

Nice to have

  • Experience with designing, developing, and deploying microservices-based applications
  • Strong sense of ownership and accountability for the quality and timely delivery of work
  • Demonstrated ability to take feedback well and actively incorporate it into work, showing a growth mindset and a desire to continuously improve
  • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics
  • Experience with Ruby on Rails and React or NextJS

What we offer

  • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
  • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
  • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
  • Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
  • Health Savings Account contributions from Upstart for eligible plans
  • Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
  • Paid time off, sick and safe time, and company holidays
  • Paid family and parental leave to support caregiving and major life moments
  • Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
  • Employee Assistance Program (EAP) offering mental health support and life-centered resources
  • Financial wellness resources, including access to financial planning tools and a financial concierge service
  • Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
  • Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
  • Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
  • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices
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