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 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.
The Team:
The Identity Platform team is responsible for the creating, securing and managing the borrower and partner identity that is the center piece of all Upstart loan products like Personal Loans, Auto Loans and Home Loans.The Identity platform team is responsible for all Authentication and Authorization Platform and the experiences ( Frontend ) associated with it. We ensure borrowers and partners are able to authenticate securely and seamlessly and their data is protected from unauthorized access.
As a Principal Software Engineer, you are at the helm of driving technical excellence, execution and innovation within the Identity Platform team. You are responsible for setting the technical vision and direction for Identity Platform that works backwards from our product strategy. You will work closely with Product partners from different verticals to help them plan, create and deliver secure product experiences that are frictionless. You will have the opportunity to design and build large scale systems from the ground up, partner closely with Infosec and CSO, and work in a highly-collaborative and fast-paced environment. We are looking for a seasoned leader with a passion for Identity and Access Management, Customer Experience, experimentation, and distributed systems. If this sounds exciting, we would love to hear from you.
How you’ll make an impact
- Define the long-term technical direction and roadmap for Identity and Access Management Platform in alignment with Upstart’s business objectives.
- Lead the design, development and execution of a system that emphasizes security and ease of access.
- Work closely with the Informational Security team to improve and develop standards that ensure that our customer data is secure and build trust with Customers.
- Guide the architectural evolution of Identity engineering systems with an emphasis on security, scaling innovation across multiple engineering teams.
- Uncover and drive alignment across complex technical requirements, designs, trade-offs, influencing product direction
- Proactively evaluate, prototype, and roll out new technologies/frameworks to help cultivate a culture of innovation
- Lead from the front, while mentoring and developing technical leaders
Minimum Qualifications
- Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience
- Experience building highly scalable APIs using containerization technologies like Docker and Kubernetes
- Solid grasp of software development principles and best practices for creating scalable and maintainable systems
- Proficiency in one or more object oriented programming languages like Kotlin, Ruby,, C#, C++
- Strong communication skills and ability to explain complex business and technical concepts to all audiences
- Track record of successfully mentoring and developing technical leaders
- Experience working in dynamic fast paced organizations
- Ability to balance the needs of the business with the needs of engineering improvements
- Passion for clean code and architecture and initiative to “level-up” the engineering team with better practices & design
- You are able lead and resolve company-wide technical discussions and are able to collaborate and include input from cross-functional teams (security, devops, data, compliance and product)
- You have a good sense for build-vs-buy and are able to prioritize the highest ROI architectural investments
Preferred Qualifications
- High proficiency with OAuth 2.0 and OpenID Connect Specifications.
- Experience working in Identity and Security Platform.
- Experience with building Kotlin or Java Backend services.
- Experience with A/B testing, GRPC and Devops.
- Background in Keycloak or any equivalent IAM Solution,, Devops, Ruby and NextJS is a big plus.
- Experience designing and building microservice-based architectures
- Experience developing large scale distributed systems in AWS
- Strong sense of ownership and accountability for the quality and timely delivery of work
- Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics
- Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve
- Ability to influence and lead without direct authority
- Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs
- Experience working at companies that have gone through periods of rapid business or organizational growth
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 but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
#LI-REMOTE
#LI-MidSenior
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).
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
- Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
- Health Savings Account contributions from Upstart for eligible plans
- Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
- Paid time off, sick and safe time, and company holidays
- Paid family and parental leave to support caregiving and major life moments
- Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service
- Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).
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]
https://www.upstart.com/candidate_privacy_policy
Top Skills
What the Team is Saying
What We Do
Upstart 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's AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. If you are energized by the impact you think you could make at Upstart, we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced, and we encourage ownership at all levels of the organization. As a result, culture at Upstart is driven by Upstarters. Upstarters are proactive, talented, multi-dimensional and collaborative.
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Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY.
