Software Engineer, Cash Line

This is a fully remote position, open to applicants in United States, +1 more country.

📋 Description

• Create, construct, and maintain dependable backend services and APIs for Cash Line and the overall borrower experience.

• Build systems that facilitate offer generation, pricing, underwriting, funding, and account management.

• Connect backend functionalities with applications used by borrowers and partner systems.

• Work closely with product managers, designers, and engineers to define, develop, and launch features.

• Produce tested, maintainable code and engage in code review processes.

• Enhance system performance, scalability, reliability, and observability.

• Identify and resolve issues across various environments.

• Encourage experimentation and iterative enhancements using data and feedback from customers.

• Occasionally travel for team meetings and company events.

⛳️ Requirements

• A Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience.

• Over 4 years of professional experience in software engineering.

• Strong expertise in developing backend services and APIs using Python, Java, Kotlin, Ruby, or Node.js.

• Familiarity with REST or GraphQL APIs, data models, and distributed systems or service-oriented architectures.

• Understanding the principles of writing tested, maintainable code and collaborating through code review.

• Capability to collaborate with product and design teams to deliver features from requirements to production.

• Experience in building scalable and reliable systems for consumer-facing products.

• Knowledge of automated testing, CI/CD processes, observability, and contemporary software development practices.

• Exposure to fintech, lending, payments, or other regulated financial sectors.

• Experience with experimentation, A/B testing, or feature flagging in a production environment.

• Active engagement with AI tools in engineering workflows.

• A passion for products that enhance access to credit and improve financial outcomes for consumers.

• Most Upstart employees can reside and work anywhere in the U.S.; Upstart is currently unable to hire in Quebec.

🏝️ Benefits

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

• 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually.

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

• Comprehensive medical, dental, vision, wellness resources, and supplemental health coverage for Canada.

• Contributions to Health Savings Accounts for eligible plans (US only).

• Life insurance and disability coverage.

• Paid time off, sick leave, and company holidays.

• Paid family and parental leave.

• Family-oriented fertility, parenthood, and caregiving benefits.

• Employee Assistance Program offering mental health support and life-centered resources.

• Financial planning tools and concierge services (US only).

• Annual wellness allowance.

• Annual productivity allowance for relevant tools and resources.

• Team events, all-company updates, and employee resource groups.

• Catered lunches and stocked micro-kitchens at office locations.