Senior Software Engineer, Recurring Credit

Upstart(8 months ago)

RemoteFull TimeSenior$142,000 - $226,400Engineering

About this role

This role is for a senior backend engineer on Upstart’s Recurring Credit team, a small AI-native group building a mobile-first line of credit to replace payday loans and subprime products. The team focuses on delivering scalable, reliable lending systems that expand access to affordable credit while operating with a lean, outcome-driven approach. The position is remote-first within the U.S. with occasional on-site collaboration sessions.

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Required Skills

Backend Systems
Distributed Architecture
Event-Driven
API Design
Relational Databases
Caching Layers
Object-Oriented
Observability
Reliability
AI Tools

+5 more

About Upstart

upstart.com

Upstart is an AI-driven lending platform that partners with banks and credit unions to offer personal loans, auto refinancing, and debt consolidation while expanding access to affordable credit. Founded by ex-Googlers, it uses a proprietary underwriting model that goes beyond FICO—incorporating signals like schools attended, area of study, academic performance, and work history—to identify high-quality borrowers, including those with limited credit history. Consumers can check rates online with no impact to their credit and access fast funding with transparent pricing and no hidden fees. Financial institutions integrate Upstart to originate loans more efficiently and reach underserved borrowers.