Software Engineer, Financial Operations

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; and Austin, Texas.

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: 

We are seeking a Software Engineer to join our newly established Financial Operations Engineering team, which will be a critical part of our Finance, Accounting, and Treasury organizations. This team’s mission is to unlock smarter financial planning by building scalable systems that improve data accessibility, automate complex financial workflows and reporting, and provide deeper insights to drive strategic decision-making.

In this role, you will contribute to the development of end-to-end financial systems. You’ll work closely with more senior engineers and cross-functional teams to build and maintain the technical infrastructure that powers our financial operations. Your work will involve collaborating with stakeholders to streamline manual processes, build automation tools, and ensure our financial platforms are secure and scalable.

This is a fantastic opportunity for a mid-level engineer to gain experience in both backend development and the financial systems domain. You’ll work on meaningful projects that have a direct impact on our company’s ability to plan, forecast, and make data-driven financial decisions. You will have the opportunity to learn from our senior engineers, contribute to system architecture discussions, and grow your skills in cloud platforms, data modeling, and financial processes.

How you’ll make an impact

• Collaborate with senior engineers to develop and maintain systems that support finance, accounting, and treasury functions

• Assist in the design and implementation of automation tools to streamline financial workflows and reduce manual effort

• Work with business stakeholders to understand financial requirements and translate them into technical solutions

• Contribute to the building of APIs, data pipelines, and integrations with third-party financial tools

• Ensure data integrity, security, and scalability of financial platforms

• Participate in code reviews, testing, and the deployment of high-quality code

• Support ongoing maintenance, troubleshooting, and optimization of financial systems to ensure reliability and performance

Minimum Qualifications 

• 3-5 years of experience in software development, with a strong focus on backend engineering, distributed systems, and APIs

• Experience with some or many of the following: Kotlin, Ruby on Rails, PostgreSQL, React, Next.js, Vercel

• 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

• Strong problem-solving skills and a desire to learn and grow in a fast-paced, collaborative environment

Preferred Qualifications

• Experience in building financial, accounting, or treasury systems or similar enterprise applications

• 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

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.

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

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).

United States | Remote - Anticipated Base Salary Range

$142,000—$196,600 USD

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.