Upstart
AI lending marketplace
SoftwareEngineerII
Neural analysis suggests this role is
optimal for Mid candidates.
“Software Engineer II at Upstart. Skills: Backend service development, Microservices, APIs, Cloud environments (AWS), Data pipelines, Reverse ETL, Real-time event streaming. 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”
What You'll Achieve.
Deliver impactful, data-driven solutions; Strengthen our engineering culture; Achieve a world where credit never stands between people and their financial progress
Industry & Context.
Radically reduce the cost and complexity of borrowing; Reshape access to credit; Design and operate the infrastructure that transforms rich customer data into actionable, high-impact engagement; Proactively identifying risks; Managing ambiguity
Time zone requirements: East/West coast time zones, Encouraged to spend high quality time in-person collaborating via regular onsites (1-2 times per quarter for 2-4 consecutive days)
What They're Looking For.
Must Have
Bachelor's 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
Nice to Have
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 (e. g. , Iterable, 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
What You'll Do.
Design and build scalable backend services that power our unified communications platform across SMS
Develop systems for real-time
event-triggered messaging and self-serve marketing automation and experimentation capabilities
complex datasets into high-leverage marketing capabilities through APIs
and reverse ETL workflows
Lead medium-sized projects independently
Improve system reliability
How You'll Work.
Team & Collaboration
Partner closely with product managers, lifecycle marketing, data insights, analytics, and data platform teams to define requirements and deliver impactful, data-driven solutions; Collaborate deeply with cross-functional stakeholders; Work in a distributed team
Communication Scope
Excellent written and verbal communication skills; Clearly communicating technical trade-offs to cross-functional stakeholders
Process & Methodology
Lead medium-sized projects independently, Proactively identifying risks, Managing ambiguity, Driving execution from design through launch
Full Job Description
About Upstart At Upstart, we’re 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 that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 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. We’re 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 doesn’t mean distant. We’re 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), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s 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 channels—ensuring the right message reaches the right user at the right time. As a Software Engineer II on the team
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