Senior Software Engineer, Distribution Platform
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Job Location:
San Mateo, CA - USA
Monthly Salary:
Not Disclosed
Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts 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; Austin Texas; and New York City NY (opening Summer 2026).
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 wed love to hear from you!
The Team
Upstarts Distribution Platform team is developing innovative solutions and strategies that drive efficient and scalable marketing outreach empowering us to effectively engage with our users while having a direct impact on Upstarts mission and growth. The team is responsible for some of our highest value distribution channels including digital ads direct mail and partner integrations. Our goal is to build an intelligent unified system that learns automates and scales how Upstart engages with our customers on these channels.
As a Senior Software Engineer on the Distribution Platform team you will play a key role in designing and building the systems that intelligently connect our marketing efforts to the right users at the right time. Youll drive development of scalable resilient platform capabilities that power Upstarts owned marketing channels including digital ads direct mail and partner integrations. Collaborating closely with cross-functional partners in Analytics Marketing Machine Learning and Product youll help shape the technical strategy and execution that enables more personalized data-driven outreach and directly advances Upstarts growth and mission.
How youll make an impact:
- Lead the design and development of scalable systems that deliver marketing content across key outbound channels.
- Partner with machine learning analytics and marketing stakeholders to optimize targeting and improve customer engagement.
- Own projects from ideation to launch guiding architecture implementation and operational readiness.
- Drive platform reliability and evolve internal tools that enable experimentation automation and performance insights.
- Mentor junior engineers and contribute to growing a culture of technical excellence and cross-functional collaboration.
What were looking for:
- Minimum requirements:
- 7 years of professional software development experience
- Strong proficiency in one or more programming languages such as Ruby Java Kotlin Python or Javascript
- Experience building scalable APIs and microservices in a cloud-based environment (e.g. AWS GCP).
- Proven ability to lead projects involving multiple engineers or stakeholders overextended timelines.
- Excellent written and verbal communication skills with the ability to work in a distributed team.
- Preferred qualifications:
- Experience building systems that integrate with 3rd parties or manage large scale data flows
- Experience with SQL data warehouses or other database technologies
- Professional experience with digital advertising platforms like Google Ads or Meta Ads
- Professional experience working with Ruby on Rails and/or Kotlin
- Experience or interest in working with React typescript or front end technologies
- Experience working with marketing technology or growth engineering
Position Location -This role is available in the following locations: Remote San Mateo Columbus Austin
Time Zone Requirements - This team operates across all U.S. time zones.
Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups Upstart will cover all travel related expenses.
What youll 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 $4500 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 locationwith 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).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application interviewing completing any pre-employment testing or otherwise participating in the employee selection process please email
Senior IC
Key Skills
- Spring
- .NET
- C/C++
- Go
- React
- OOP
- C#
- AWS
- Data Structures
- Software Development
- Java
- Distributed Systems
About Company
Through Upstart, apply online for a fast personal loan, auto refinancing, or debt consolidation. Try our quick rate check today with no impact to your credit!
