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!
The Team
Partner Experience sits within Capital Platform and scales relationships with lenders and investors through customer experience solutions. This team helps partners access the insights, tools, and controls they need to deploy capital confidently and grow with Upstart. Our platform priorities center on speed, trust, and control for partners, delivered through reliable data, intuitive workflows, and secure access across products.
The Role
We’re hiring a Senior Software Engineer to build partner‑facing systems that improve transparency, reliability, and self‑service across our capital ecosystem. You’ll contribute to services and UIs that power reporting, onboarding, and ongoing operations for lending partners and investors, collaborating closely with Product, Design, Analytics, and other engineering teams.
This is an impact‑driven role where your work will directly strengthen partner confidence, reduce operational friction, and accelerate capital deployment.
What you’ll do
- Design, build, and maintain scalable APIs, services, and UIs that enable partners to access performance data, operational workflows, and program controls.
- Ship clear, well‑tested code; participate in code reviews; and improve reliability through logging, metrics, and alerting.
- Work across the stack (backend, data access, and front‑end integration) to deliver end‑to‑end capabilities with strong security and availability.
- Partner with stakeholders to translate requirements into simple, reliable workflows and self‑service tools that reduce manual processes.
- Own deployment and operational readiness in cloud environments, including CI/CD, observability, and incident mitigation.
- Contribute to technical design docs and help evolve our platform architecture for partner experiences over time.
Minimum requirements:
- 3-5 years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs
- Experience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python
- Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment
- Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar)
- Familiarity with database technologies such as SQL and data warehousing solutions
- Good communication and teamwork skills, with the ability to work effectively with cross-functional teams
Preferred qualifications:
- Experience in capital markets, financial services, or a related industry, with a strong understanding of market structures and regulations
- Prior experience or demonstrated enthusiasm for working on internal tools
- History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person
Nice to haves:
- Experience working with large datasets, data modeling, and building robust data pipelines
Position location This role is available in the following locations: Remote
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.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
#LI-REMOTE
#LI-Associate --> use for L3, L4
#LI-MidSenior --> use for L5, L6
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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
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.
Gallery
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.
