Senior Software Engineer - Lending Platform

Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. As a Senior Software Engineer, you will design and deliver core systems that process large volumes of financial data, directly influencing the reliability of Upstart's financial operations.

Responsibilities:

• Design, build, and operate distributed, event-driven systems that power accounting close automation and capital risk workflows
• Deliver scalable data processing solutions that transform high-volume financial events into accurate, reliable business outcomes
• Partner closely with Product, Data Analytics, Finance, and Engineering teams to define technical solutions for complex financial processes
• Improve the reliability, scalability, and maintainability of critical financial systems while thoughtfully managing technical debt
• Lead multi-quarter engineering initiatives from architecture through production, balancing long-term platform investments with business priorities
• Leverage AI-assisted development tools to improve engineering productivity while maintaining high standards for quality, security, and correctness

Requirements:

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related technical field (or equivalent practical experience)
• 4+ years of professional software engineering experience building and operating production systems. (L5 standard)
• Experience designing and building distributed, event-driven applications in cloud environments such as AWS
• Experience developing scalable backend services that process large volumes of data using modern programming languages
• Experience designing, testing, and deploying reliable production systems using software engineering best practices
• Knowledge of financial systems, accounting processes, or capital risk management
• Experience building high-throughput data processing or event streaming platforms
• Ability to design systems that balance scalability, maintainability, and long-term operational efficiency
• Experience collaborating across engineering, product, analytics, and business stakeholders to deliver complex technical initiatives
• Curiosity for applying generative AI tools to accelerate software development and improve engineering effectiveness