Our mission is to enable effortless credit based on true risk.

Software Engineer, Engagement

Full-stack EngineerSoftware EngineerFull TimeRemoteTeam 1,001-5,000Since 2012H1B SponsorCompany Site LinkedIn

Location

United States

Posted

21 days ago

Salary

$142K - $196.6K / year

Bachelor Degree4 yrs expEnglishDistributed SystemsJavaKafkaKotlinMicroservicesRabbit MQ

Job Description

• Lead the design and development of full-stack systems that power new engagement experiences such as credit health monitoring, financial wellness tools, and gamified features. • Architect and build scalable microservices and event-driven systems (e.g., Kafka-based streams) to ingest, process, and surface user credit and financial data in real time. • Partner closely with Product, Product Marketing, and Design to translate ambiguous 0→1 concepts into robust, user-facing features that drive repeat engagement and long-term customer value. • Collaborate with Legal and Compliance to ensure new features meet regulatory and data governance requirements. • Optimize and experiment on key user surfaces—supporting A/B testing, iteration, and performance improvements across authenticated and unauthenticated experiences. • Contribute to the long-term vision of Upstart’s credit health and financial wellness ecosystem, including features that help users understand and improve the factors that influence their credit and borrowing power. • Help scale production systems across the stack, improving reliability, observability, and performance as adoption grows.

Job Requirements

4+ years of professional software engineering experience, with a strong backend focus.
Experience building and maintaining production-grade applications using strongly typed languages such as Java, Kotlin, C#, C, or similar.
Hands-on experience designing and developing microservices and distributed systems.
Experience consuming and processing event streams or working with messaging/queue systems (e.g., Kafka, RabbitMQ, Celery, or similar).
Demonstrated ability to operate effectively in ambiguous, fast-moving environments and drive projects from concept through launch.
Experience collaborating cross-functionally with Product and Design to deliver customer-facing features.

Benefits

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service
Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).