Software Engineer, Lifecycle
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Job Location:
San Mateo, CA - USA
Monthly Salary:
Not Disclosed
Posted on:
2 days ago
Vacancies:
1 Vacancy
Job Summary
About Upstart
At Upstart were united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day we bring creativity experimentation and advanced AI to reshape access to credit helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace we partner with banks and credit unions to expand access to affordable credit through technology thats both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1800 signals powering smarter fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea every voice and every contribution moves us closer to a world where credit never stands between people and their financial progress.
Were proudly digital-first giving most Upstarters the flexibility to do their best work from wherever they thrive alongside teammates across 80 cities in the US and Canada. Digital-first doesnt mean distant. Were intentional about in-person connection through team onsites planning sessions and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus Austin the Bay Area or New York City (opening Summer 2026) youll have the support to work in the way that works best for you.
If youre energized by tackling meaningful problems excited to innovate with purpose and motivated by work that truly matters wed love to hear from you.
The Team:
Upstarts Lifecycle Platform team develops innovative solutions strategies and systems that enable personalized timely communication with millions of current and prospective customers. We build and scale the platforms behind preference management email SMS push notifications and emerging channelsensuring the right message reaches the right user at the right time.
As a Software Engineer II on the team you will be part of the broader Growth organization and partner closely with Lifecycle Marketing Distribution Insights Data Platform Analytics and ML teams. We are the technical thought leaders and subject matter experts for outbound communications across the company. Our mission is to design and operate the infrastructure that transforms rich customer data into actionable high-impact engagement.
This team operates with speed and ownership. We deploy frequently unblock ourselves and hold a high bar for accountability. We are not a siloed engineering teamwe collaborate deeply with cross-functional stakeholders and play a central role in shaping the future of Upstarts marketing platforms.
How youll make an impact
- Design and build scalable backend services that power our unified communications platform across SMS email push and future channels.
- Develop systems for real-time event-triggered messaging and self-serve marketing automation and experimentation capabilities.
- Translate large complex datasets into high-leverage marketing capabilities through APIs streaming pipelines and reverse ETL workflows.
- Partner closely with product managers lifecycle marketing data insights analytics and data platform teams to define requirements and deliver impactful data-driven solutions.
- Lead medium-sized projects independentlyproactively identifying risks managing ambiguity and driving execution from design through launch.
- Strengthen our engineering culture by improving system reliability accelerating iteration and clearly communicating technical trade-offs to cross-functional stakeholders.
Minimum Qualifications
- Bachelors degree in Computer Science Engineering or Mathematics or a related field (or its equivalent) 3 years of experience
- Experience building and operating microservices and APIs in a cloud environment (preferably AWS).
- Proficiency in at least one backend language such as Kotlin Java Ruby or Python.
- Demonstrated ability to independently execute on projects navigate ambiguity and collaborate effectively with cross-functional partners.
- Excellent written and verbal communication skills with the ability to work in a distributed team
Preferred Qualifications
- Experience supporting Marketing Growth or GTM teams particularly in environments involving CDPs customer segmentation or campaign orchestration.
- Experience with reverse ETL tools (e.g. Hightouch Census) data pipeline tooling (e.g. Airbyte Fivetran Databricks) or marketing automation platforms ( Braze or Salesforce Marketing Cloud).
- Familiarity with real-time event streaming systems and high-throughput messaging architectures.
- Experience integrating with third-party APIs and building systems that ingest transform and expose large volumes of data.
- Track record of leading medium-to-large projects and contributing to system design decisions with long-term platform impact.
Position location This role is available in the following locations: Remote
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.
#LI-REMOTE
#LI-Associate
#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).
What youll love
At Upstart our benefits are designed to support your health financial well-being family and personal growth. Heres what you can expect:
- 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 $15000 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!).
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
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Key Skills
- Spring
- .NET
- C/C++
- Go
- React
- OOP
- C#
- Data Structures
- JavaScript
- 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!
