Canada · 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, Distributed Systems, Ruby on Rails, Python, Kotlin
United States · Remote OK
$167k–$242k/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, Full-stack Development, System Design, API Development, Cloud Computing
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: Kubernetes, AWS, Terraform, AWS CDK, ArgoCD
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
$195k–$257k/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: Engineering Management, Distributed Systems, Cloud Platforms, Financial Infrastructure, Ledgering
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: Distributed Systems, Event-Driven Architecture, AWS, Backend Development, Data Processing
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: Cloud Security, Kubernetes Security, AWS, Infrastructure as Code, Cloud IAM
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: Full-stack Development, Distributed Systems, API Design, Ruby on Rails, 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: Privacy Engineering, People Management, Data Governance, Privacy-by-Design, Technical Risk Assessment
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: Distributed Systems, Event-Driven Architecture, AWS, Backend Development, Data Processing
United States · Remote OK
$145k–$201k/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: Product Compliance, Risk Management, Consumer Lending Regulations, FCRA, Regulation V
San Mateo, California, United States · On-site
$23/hr–$31/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: Mailroom Operations, Logistics, Document Operations, Google Workspace, Salesforce
Burlingame, California, 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: React, TypeScript, Python, Java, 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: Android Development, Kotlin, Java, React Native, TypeScript
Canada · 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: Python, Go, Java, Scala, C++
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
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
$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
$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
Sign up with Clera and we'll reach out the moment a role actually fits you — no more spraying applications into the void.
Design and operate highly available backend services and scalable systems for a real-time AI lending marketplace. Partner with cross-functional teams to translate complex business problems into technical solutions for marketplace optimization and monetization.
Requires a Bachelor's degree in CS or a related field and 5+ years of professional experience building backend or distributed systems. Proficiency in Ruby on Rails, Python, or Kotlin and experience with AWS and cloud-native development are required.
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.
Marketplace Optimization builds the intelligent systems that power Upstart's AI lending marketplace. Our teams make real-time decisions about how borrowers are matched with capital, how offers are constructed, and how the marketplace evolves through experimentation. We solve complex optimization problems at scale, balancing borrower experience, investor objectives, profitability, and operational efficiency while operating some of the most critical services at Upstart.
Within Marketplace Optimization, engineers join one of two closely related teams:
As a Senior Software Engineer, you'll partner closely with Product, Machine Learning, Pricing, Capital Markets, Lending Partnerships, and Analytics to build highly reliable distributed systems that power millions of lending decisions. You'll work on systems at the heart of Upstart's lending marketplace. The software your team builds determines how borrowers are matched with capital, how offers are constructed, and how marketplace decisions are executed in real time. It's an opportunity to solve challenging distributed systems problems while building software with direct, measurable impact on borrowers, investors, and the business.
Minimum Qualifications
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
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 or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
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
