Senior Software Engineer, White Label Platform

About the role

The Senior Software Engineer at Upstart will contribute to shaping the platform, collaborating with engineers and cross-functional teams such as Product, Pricing, Analytics, Lending Partnerships, and Capital Marketplace on a wide range of projects that grow their skills in full stack development, cloud platforms, and financial systems.

Responsibilities

• Collaborate with product managers, engineers, and business stakeholders to deliver projects that align with business goals
• Aid in the design, development, and maintenance of self-service tools that enhance the investor experience
• Work with business stakeholders to identify opportunities for process optimization and build solutions that improve business workflows
• Develop scalable, reliable systems that meet the needs of both internal users and external investors
• Ensure security, performance, and availability of our critical platforms
• Participate in code reviews, testing, and the deployment of high-quality code

Requirements

• 5+ years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs
• Experience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python
• Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment
• Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar)
• Familiarity with database technologies such as SQL and data warehousing solutions
• Good communication and teamwork skills, with the ability to work effectively with cross-functional teams

Qualifications

• Experience with building robust platform
• Prior experience or demonstrated enthusiasm for working on internal tools
• History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person
• Experience with Ruby on Rails, Kotlin, or React

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Retirement 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)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• 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 (US Only)
• 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
• Onsite 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!)