Software Engineer, Upstart Bank

About the role

The ideal engineer enjoys solving backend engineering problems, thrives in ambiguous environments, and is excited to learn while helping shape the technology supporting Upstart Bank.

Responsibilities

• Design, build, test, and maintain scalable backend systems, services, and APIs supporting Upstart Bank initiatives
• Deliver high-quality software while partnering with senior engineers on medium-to-large engineering projects
• Translate business, operational, and regulatory requirements into reliable, maintainable software
• Improve system reliability, observability, and operational excellence across backend services
• Participate in technical design discussions while growing engineering depth and technical ownership
• Collaborate closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver high-quality software
• Uphold a high engineering bar through thoughtful implementation, testing, code review, and operational ownership
• Demonstrate curiosity, adaptability, and a willingness to learn while contributing to a growing engineering organization

Requirements

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience)
• 2+ years of software engineering experience
• Experience building production backend or full-stack software systems
• Experience working with APIs, backend services, or web applications
• Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar
• Strong engineering fundamentals around software design, testing, debugging, and operational ownership

Qualifications

• Experience working in fintech, financial services, payments, or another regulated industry
• Familiarity with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies
• Experience building reliable backend services, APIs, or platform software
• Collaboration experience across Product, Compliance, Operations, and Engineering teams
• Proven ability to thrive in collaborative, self-directed, remote, and in-person environments
• Curiosity, adaptability, and a desire to continuously learn new technologies and business domains

Skills

• Problem-solving skills
• Technical communication skills
• Attention to detail
• Collaborative mindset

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
• 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!)

Pay

The anticipated base salary for this position is expected to be within the range of $130,800 - $153,900 USD.

Schedule

This role is available in the following locations: Remote