
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
Upstart is seeking a Principal Software Engineer to lead backend architecture for their mobile team. You'll work with Java and React Native to shape foundational systems for engagement and performance. This role requires significant experience in backend engineering.
You have 8+ years of software engineering experience, with a strong focus on backend systems and architecture — you've successfully led projects from conception through deployment and have a deep understanding of scalable system design. Your expertise in Java is complemented by experience with cloud platforms like AWS, allowing you to build robust and efficient applications that meet user needs.
You are familiar with mobile development frameworks, particularly React Native, and understand how to integrate backend services with mobile applications — your experience enables you to collaborate effectively with frontend developers to create seamless user experiences. You have a proven track record of mentoring junior engineers, fostering a culture of learning and growth within your team.
You thrive in a remote work environment, demonstrating excellent communication skills and the ability to work independently while contributing to a collaborative team culture. You are passionate about leveraging technology to improve access to financial services and are motivated by the impact your work can have on users' lives.
Experience with microservices architecture and API design is a plus, as is familiarity with agile methodologies. You may have worked in fintech or similar industries, giving you insights into the unique challenges and opportunities in this space.
As the Principal Software Engineer at Upstart, you will be the first backend engineer embedded within the mobile team, playing a crucial role in the transformation of their mobile platform. You will architect scalable backend systems that support the expansion of Upstart's iOS app and the upcoming Android launch, ensuring high performance and reliability.
You will collaborate closely with React Native developers and product partners to define the backend architecture that will enable innovative features and enhance user engagement. Your responsibilities will include designing and implementing APIs, optimizing database interactions, and ensuring that the backend systems can handle increasing loads as the user base grows.
You will also be involved in code reviews and technical discussions, providing guidance and support to your peers while ensuring best practices are followed. Your leadership will help shape the technical direction of the mobile team, and you will have the opportunity to influence key architectural decisions that impact the overall success of Upstart's mobile initiatives.
Upstart offers a competitive salary and benefits package, including flexible work arrangements that allow you to work from anywhere in the United States. You will be part of a mission-driven company that is committed to expanding access to affordable credit through innovative technology. Join a team that values diversity and inclusion, and where your contributions will directly impact the lives of borrowers across the country.
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