Senior Software Engineer, Recurring Credit
Share
Job Location:
San Mateo, CA - USA
Monthly Salary:
Not Disclosed
Posted on:
Yesterday
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
Recurring Credit is one of Upstarts most ambitious new product bets: a mobile-first line of credit designed to replace payday loans cash advance apps and subprime credit cards with something safer and more sustainable. The team is small senior and moving quicklystructured more like a startup inside Upstart than a traditional squad. Were building both a new product and a new model for how engineering teams can operate in an AI-native way: lean fast and deeply focused on outcomes for underserved consumers.
How youll make an impact:
- Design and build core backend systems that power instant disbursements subscription billing and repayment schedules.
- Develop distributed event-driven services that guarantee reliability and scalecovering retries ordering schema evolution and observability.
- Translate product intent into customer impact by collaborating closely with product and design to ship high-quality user-facing features quickly.
- Leverage AI-native workflows (e.g. Copilot Cursor LLM-powered tooling) to accelerate coding testing and analysis.
- Ensure trust and transparency at the system level by instrumenting metrics logs and traces tied to business and user outcomes.
- Balance speed and quality in a greenfield codebase helping set the technical direction for a product with zero-to-one momentum and long-term scale.
- Shape engineering culture and velocity through thoughtful APIs automation and scalable practices.
What were looking for:
Minimum requirements:
- 4 years of experience building backend systems in production ideally powering consumer-facing products.
- Strong technical depth in distributed event-driven architectures (Kafka SQS Kinesis MQ) including idempotency retries DLQs and ordering.
- Proficiency in an OO language (Java Kotlin C# Python Ruby) and comfort with relational databases caching layers and API design.
- Demonstrated ability to ship zero-to-one systems or products making tradeoffs in ambiguous environments.
- A track record of connecting backend work to product outcomes (conversion reliability payments onboarding).
- Experience designing with observability and reliability in mind (metrics traces logs SLOs).
- Active use of AI tools in engineering workflows beyond autocomplete with curiosity about how AI changes how teams build.
- Strong written and verbal communication skills; able to explain complex systems and tradeoffs clearly.
Preferred qualifications:
- Experience with fintech or payments systems such as disbursements billing ledgers KYC/IDV or credit/underwriting flows.
- Practical experience with instant funding rails and the challenges of fraud reconciliation and compliance.
- Familiarity with schema evolution and contracts (e.g. Protobuf Avro) and safe data migrations in distributed systems.
- Track record of building or scaling consumer-facing flows with measurable impact on conversion or reliability.
- Comfort navigating regulated domains and collaborating with legal servicing capital markets or external partners.
- Evidence of tenure and progression within one company (promotions expanding scope) and resilience through challenging product phases.
- Demonstrated interest in agentic or AI-assisted systems applying LLMs to design testing analysis or automation.
What youll love:
- Competitive Compensation (base bonus & equity)
- Comprehensive medical dental and vision coverage with Health Savings Account contributions from Upstart
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed up to $15000 per year
- 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
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.
#LI-REMOTE
#LI-MidSenior
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!
