Revolutionizing lending with AI-driven insights
Upstart is an AI lending marketplace headquartered in South San Mateo, California, connecting millions of consumers with over 100 banks and credit unions. The company has raised $135.7 million in Series D funding and facilitates billions in loan originations by using advanced AI models to assess cre...
Upstart offers comprehensive health plans, a 401k plan, generous vacation policy, flexible time off, parental leave, and family forming benefits throu...
Upstart fosters a culture focused on leveraging technology to democratize access to credit. With a strong emphasis on AI-driven solutions, the company...
Upstart • United States | Remote
About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026).
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
We’re a small, senior engineering team building a new product within Upstart, focused on helping consumers access responsible and affordable credit. We operate with a startup mindset—lean, fast, and deeply focused on impact. With a greenfield codebase and a high degree of autonomy, we’re shaping both the product and the way modern engineering teams work in an AI-native environment.
Design and build the backend systems that power a brand-new consumer credit experience.
Develop scalable, distributed services using event-driven architectures to ensure reliability, observability, and long-term maintainability.
Collaborate closely with design and product to translate intent into features that serve millions of consumers.
Drive technical decisions in a zero-to-one product environment, balancing speed with high-quality execution.
Apply AI-native workflows to accelerate development, testing, analysis, and documentation.
Help define engineering best practices and culture within a fast-moving and outcome-driven team.
Minimum requirements:
4+ years of experience building backend systems in production, ideally for consumer-facing applications.
Strong technical background in distributed systems and event-driven architecture (Kafka, SQS, Kinesis, or similar).
Proficiency in object-oriented programming languages (e.g., Java, Kotlin, C#, Python, Ruby) and familiarity with relational databases, APIs, and caching.
Demonstrated ability to work autonomously and thrive in ambiguous, early-stage product environments.
Deep product sense with a strong focus on end-user experience and outcomes.
Familiarity with observability and reliability concepts (metrics, logs, traces, SLOs).
Actively uses AI tools in engineering workflows, with strong opinions about the future of AI in software development.
Excellent written and verbal communication skills.
Preferred qualifications:
Experience at consumer-focused (B2C) fintech or technology companies with millions of users.
Background in backend systems related to payments, credit, or high-scale user workflows.
Experience building zero-to-one products and contributing to product direction in small teams.
Exposure to schema evolution and safe data migrations in distributed environments (e.g., Protobuf, Avro).
Entrepreneurial mindset—comfortable in dynamic environments, with a bias toward action and ownership.
Track record of scrappy, high-quality execution and an interest in building software that serves underserved populations.
Strong AI instincts—interest or experience building agentic systems or applying LLMs to development and testing.
Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin
Time Zone Requirements - This team operates across all U.S. time zones.
Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.
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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).
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 candidate_accommodations@upstart.com
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