Upstart

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

Software Engineer II, Verifications Decisioning

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

Location

United States

Posted

17 days ago

Salary

$142K - $196.6K / year

Bachelor Degree4 yrs expExperience acceptedEnglishDistributed SystemsJavaKafkaKotlinPythonGo

Job Description

• Design and build backend services that power verification orchestration, risk evaluation, and automated approval decisions. • Develop and evolve rule engines and decisioning systems to increase automation coverage across products. • Integrate external data providers (e.g., Plaid) into resilient, scalable workflows. • Improve document automation pipelines including classification, extraction, and fraud detection systems. • Build and maintain APIs, Kafka events, and service contracts that enable product teams to consume verification capabilities. • Partner with ML engineers to productionize risk models and ensure decision correctness at scale. • Contribute to platformization efforts to standardize Verifications stages and enable cross-product reuse. • Strengthen compliance, data integrity, and observability across verification systems.

Job Requirements

  • 4+ years of professional software engineering experience.
  • Experience designing and building scalable backend systems in languages such as Java, Kotlin, Go, or Python.
  • Experience developing and operating distributed systems, including service-to-service APIs and event-driven architectures.
  • Experience contributing to a decision engine that integrates with machine learning models to evaluate signals.
  • Experience writing production-quality code with testing and monitoring.
  • Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience

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!).

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Our Commitment to Diversity, Equity, Inclusion and Belonging (DEIB): We believe attracting and retaining the best talent and fostering an inclusive culture strengthens our business. DEIB improves our workforce, enhances trust with our partners and customers, and drives business success. Build your career in a place where diversity, equity, inclusion and belonging aren’t just words on paper – this is what drives our innovation, it’s how we connect, and it contributes to what makes us a market leader. We believe in a hiring and working environment where all people are respected and valued, regardless of gender identity or expression, sexual orientation, religion, ethnicity, age, neurodiversity, disability status, citizenship, or any other aspect which makes people unique. We hire you for who you are, and we want you to bring your authentic self to work every day! We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, perform essential job functions, and receive equitable benefits and all privileges of employment. Please contact us to request accommodation. Fraud Recruitment Disclaimer: It has come to our attention that fraudulent and fictitious job opportunities are being circulated on the Internet. Prospective candidates are being contacted by certain individuals, mainly through telephone calls, emails and correspondence, claiming they are representatives of Anaplan. The main purpose of these correspondences and announcements is to obtain privileged information from individuals. Anaplan does not: Extend offers to candidates without an extensive interview process with a member of our recruitment team and a hiring manager via video or in person. Send job offers via email. All offers are first extended verbally by a member of our internal recruitment team whenever possible and then followed up via written communication. All emails from Anaplan would come from an @anaplan.com email address. Should you have any doubts about the authenticity of an email, letter or telephone communication purportedly from, for, or on behalf of Anaplan, please send an email to people@anaplan.com before taking any further action in relation to the correspondence.

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