United States · Remote OK
$142k–$197k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Kotlin, Java, Distributed Systems, API Design, Event-Driven Architecture
United States · Remote OK
$167k–$231k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Kubernetes, AWS, Go, Infrastructure as Code, CI/CD
United States · Remote OK
$145k–$231k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Third Party Risk Management, Due Diligence, Risk Assessment, Vendor Oversight, Regulatory Compliance
United States · Remote OK
$133k–$185k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Tax Information Reporting, Forms 1099, Forms 1098, Backup Withholding, TIN Matching
United States · Remote OK
$195k–$270k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Android Development, Kotlin, Java, React Native, TypeScript
Columbus, Ohio, United States · Hybrid
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Loan Processing, Income Verification, Auto Lending, Case Management Systems, Financial Document Analysis
United States · Remote OK
$167k–$231k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Kotlin, Java, Ruby, C#, OAuth 2.0
United States · Remote OK
$228k–$316k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Mobile Engineering Leadership, React Native, iOS Development, Android Development, Scalable Architecture
United States · Remote OK
$75/hr–$88/hr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: SQL, Credit Analytics, Data Validation, Reconciliation, Risk Analytics
United States · Remote OK
$142k–$197k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Full-stack Development, Frontend Development, Backend Development, API Design, Microservices
United States · Remote OK
$167k–$231k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Backend Development, Microservices, API Design, AWS, Kotlin
United States · Remote OK
$195k–$270k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Distributed Systems, Event Driven Architecture, Python, Java, Kotlin
United States · Remote OK
$145k–$231k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Treasury Risk Management, Asset-Liability Management (ALM), Liquidity and Funding Risk, Interest Rate Risk (IRR), Capital Management
United States · Remote OK
$167k–$231k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Software Engineering, System Design, Backend Services, Production Software Deployment, Cross-functional Collaboration
Columbus, Ohio, United States · Hybrid
$79k–$109k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: People Management, Operations Management, KPI Monitoring, Strategic Planning, Performance Management
United States · Remote OK
$106k–$146k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Bank Accounting, Regulatory Reporting, Call Reports, FR Y-series Reports, FDIC Filings
Columbus, Ohio, United States · On-site
$42/hr–$58/hr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Mac OS Support, Okta, GSuite, Atlassian, Slack
United States · Remote OK
$145k–$231k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: Credit Risk Management, Portfolio Analytics, SQL, Python, R
United States · Remote OK
$165k–$228k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: TypeScript, Node.js, Next.js, Prisma, PostgreSQL
United States · Remote OK
$191k–$264k/yr
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape ac…
Skills: System Architecture, Distributed Systems, Relational Data Modeling, API Design, Authentication Systems
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Design and maintain scalable backend services and distributed systems for automated verification workflows and financial data platforms. Partner with cross-functional teams to integrate risk models and improve platform reliability and scalability.
Requires a Bachelor's degree in a technical field and 3+ years of professional experience in backend engineering using Kotlin or Java. Must have experience building distributed systems and processing business-critical financial data in production.
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.
Upstart's Verifications Decisioning Engineering team builds the backend platform that powers automated verification workflows, financial data integrations, fraud detection, and approval decisioning across our lending products. The team develops the shared services and infrastructure that enable accurate, scalable, and reusable verification capabilities, helping improve automation, accelerate funding, and maintain risk correctness and compliance across the platform.
As a Software Engineer II (L4) on the Verifications Decisioning team, you will design and build backend services that power verification workflows and financial data platforms used across multiple lending products. You'll work on distributed systems that integrate third-party financial data providers, machine learning models, and internal decisioning services while partnering closely with Product, Machine Learning, Risk, Fraud, and other engineering teams to improve automation and platform scalability.
Position location This role is available in the following locations: Remote
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are expected to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
#LI-REMOTE
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
For roles based in Canada, please note that we are not currently able to hire in Quebec.
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]
The AI lending marketplace redefining how America borrows.
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 while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California. Upstart Network, Inc. NMLS #936133 | All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873 nmlsconsumeraccess.org
Offices: 2950 S Delaware Street, Ste. 410, San Mateo, CA 94403, US · 711 N. High Street, 4th Floor, Columbus, Ohio 43215, US · 811 Barton Springs Rd, Austin, Texas 78704, US
The AI lending marketplace redefining how America borrows.
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 while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California. Upstart Network, Inc. NMLS #936133 | All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873 nmlsconsumeraccess.org
Offices: 2950 S Delaware Street, Ste. 410, San Mateo, CA 94403, US · 711 N. High Street, 4th Floor, Columbus, Ohio 43215, US · 811 Barton Springs Rd, Austin, Texas 78704, US
