Software Engineer

This is a fully remote position, open to applicants in United States.

📋 Description

• Design, develop, test, and maintain scalable backend systems, services, and APIs that support Upstart Bank initiatives.

• Deliver high-quality software while collaborating with senior engineers on medium to large engineering projects.

• Convert business, operational, and regulatory requirements into reliable and maintainable software solutions.

• Enhance system reliability, observability, and operational excellence across backend services.

• Engage in technical design discussions while advancing engineering expertise and technical ownership.

• Work closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering teams to provide high-quality software.

• Maintain a high engineering standard through careful implementation, testing, code reviews, and operational ownership.

• Exhibit curiosity, adaptability, and a desire to learn while contributing to a growing engineering organization.

⛳️ Requirements

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience).

• Over 2 years of software engineering experience.

• Proven experience in building production backend or full-stack software systems.

• Familiarity with APIs, backend services, or web applications.

• Proficient in at least one modern programming language such as Java, Kotlin, Python, Go, or similar.

• Strong engineering principles in software design, testing, debugging, and operational ownership.

• Ability to function effectively in ambiguous, cross-functional environments.

🏝️ Benefits

• Competitive compensation package, including base salary, bonus opportunities, and annual equity grants that vest quarterly.

• Retirement benefits to aid in future planning, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada).

• Employee Stock Purchase Plan (ESPP) offering discounted stock purchase options for eligible employees (US only).

• Comprehensive health insurance designed to support you and your family, including medical, dental, vision, and wellness resources for the US, along with supplemental health coverage for Canada.

• Health Savings Account contributions from Upstart for eligible plans (US only).

• Income protection benefits, including life insurance and disability coverage for enhanced financial security.

• Paid time off, sick leave, and company holidays, in accordance with local regulations.

• Paid family and parental leave to assist with caregiving and significant life events (duration varies by country).

• Family-oriented benefits to support fertility, parenthood, and caregiving needs.

• Employee Assistance Program (EAP) providing mental health support and life-centered resources.

• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only).

• Annual wellness allowance to support your physical and emotional well-being and personal development, tailored to your priorities.

• Annual productivity allowance to invest in the necessary tools and resources to excel in your work, regardless of your location.

• Connection and community through team events, all-company updates, and employee resource groups (ERGs).

• Onsite perks, including catered lunches and fully stocked micro-kitchens available when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).