Senior Software Engineer - Partner Integrations and Origination Platform

Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for all Americans. As a Senior Software Engineer, you will design and build scalable backend systems that improve origination workflows and support Upstart’s platform evolution.

Responsibilities:

• Design and build scalable backend services and platform capabilities that support origination workflows across multiple products and lending partners
• Improve the reliability, observability, and operational resilience of critical origination systems and APIs
• Refactor and decouple legacy systems to create reusable, product-agnostic platform infrastructure that scales across partner and product types
• Build orchestration and workflow solutions that streamline partner onboarding, reduce manual operational work, and improve system consistency
• Collaborate closely with Engineering, Product, Lending Partnerships, Compliance, Legal, and Loan Sales teams to deliver secure and scalable lending experiences
• Drive technical design discussions, author design documents, and contribute to engineering best practices for system quality, monitoring, and operational excellence
• Use AI-assisted development tools and automation thoughtfully to improve engineering productivity and reduce repetitive workflows
• Participate in operational support and incident response, helping identify root causes and implement long-term system improvements

Requirements:

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or its equivalent) and 4+ years of software engineering experience
• 6+ years of experience building and operating backend services, APIs, or data-intensive systems in production environments
• Experience owning software through the full development lifecycle, including design, implementation, deployment, monitoring, and on-call support
• Proficiency with at least one modern backend development framework or programming language; experience with Ruby on Rails or the ability to ramp quickly in a Ruby-based codebase
• Experience designing distributed systems, service integrations, or workflow-based architectures that support scalability and reliability
• Experience working in fintech, lending, banking, or capital markets environments with high expectations for data accuracy, auditability, and system reliability
• Knowledge of orchestration platforms or workflow engines such as Temporal
• Ability to identify operational inefficiencies and build scalable automation or self-service tooling to improve engineering workflows
• Skills in system observability, incident analysis, and production monitoring practices
• Experience using AI-assisted development tools, automation frameworks, or AI agents to improve software engineering productivity and operational efficiency