Note: The job is a remote job and is open to candidates in USA. Upstart is hiring a Software Engineer II for its Marketplace Optimization team. The role designs, builds, and operates backend systems and platform capabilities for real-time marketplace decisioning, experimentation, matching, offer selection, and monetization, while partnering with product, machine learning, data science, and business teams.

Responsibilities

• Design, build, and operate scalable backend systems that power real-time marketplace decisioning, matching, offer selection, and monetization
• Build flexible platform capabilities that enable experimentation with allocation strategies, marketplace economics, and new monetization approaches while maintaining reliability and scalability
• Develop reliable, observable services that balance availability, latency, correctness, and operational simplicity across complex distributed systems
• Partner with Product, Machine Learning, Pricing Engineering, Data Science, Capital Markets, and Lending Partnerships to translate marketplace needs into effective technical solutions
• Make architectural decisions that simplify systems, reduce coupling across marketplace and adjacent platforms, and create reusable capabilities that support future marketplace innovation
• Use Generative AI tools thoughtfully throughout the development lifecycle to accelerate implementation, testing, debugging, documentation, and learning while maintaining ownership of technical decisions, security, code quality, and correctness

Skills

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or its equivalent) and 2years of software engineering experience
• Experience designing, building, and operating scalable backend or distributed systems in production
• Experience developing production services using one or more modern backend programming languages
• Experience building and operating business-critical systems with demonstrated use of testing, monitoring, incident response, and root cause analysis
• Experience designing production systems where reliability, availability, observability, and correctness are critical
• Experience with marketplaces, financial systems, recommendation or matching engines, optimization systems, or experimentation platforms
• Knowledge of low-latency, high-throughput distributed system design and architecture
• Experience partnering with machine learning or data science teams to integrate models or data-driven decisioning into production systems
• Experience with Ruby, Ruby on Rails, Python, or Kotlin
• Ability to navigate ambiguous technical and business problems, evaluate tradeoffs, and collaborate across engineering, product, and business teams

Benefits

• Bonus opportunities and annual equity grants that vest quarterly
• 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage, including medical, dental, vision, and wellness resources for US employees, and supplemental health coverage for Canada
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Life insurance and disability coverage
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP) offering mental health support and life-centered resources
• Financial planning tools and a financial concierge service (US only)
• Annual wellness allowance to support physical and emotional well-being and personal development
• Annual productivity allowance for relevant tools and resources
• Team events, all-company updates, and employee resource groups (ERGs)
• Catered lunches and fully stocked micro-kitchens when working from offices in the Bay Area, Austin, Columbus, and New York City
• Remote work from the US or Canada (except Quebec)

Company Overview

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