Note: The job is a remote job and is open to candidates in USA. Upstart is hiring a Software Engineer II for its Verifications Decisioning team. The role builds backend services and distributed systems for automated verification workflows, financial data integrations, and lending approval decisioning.

Responsibilities

• Design, build, and maintain scalable backend services that power automated verification workflows, financial data integrations, and approval decisioning
• Develop distributed systems, APIs, and event-driven services that improve the scalability, reliability, and reuse of verification capabilities across multiple lending products
• Build platform capabilities that enable reusable financial data connections, streamline connection lifecycle management, and reduce operational overhead for internal engineering teams
• Partner with Machine Learning, Product, Risk, Fraud, and Compliance teams to integrate data, decisioning logic, and risk models into production systems while maintaining correctness and auditability
• Improve system reliability through comprehensive testing, monitoring, observability, and operational best practices for business-critical services
• Contribute to the evolution of the verification platform by improving architecture, engineering standards, and shared infrastructure that accelerates product development across Upstart

Skills

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 3+ years of professional software engineering experience
• 3+ years of experience developing backend applications using Kotlin, Java, or another object-oriented programming language
• Experience designing, building, and operating distributed systems, including service-to-service APIs and event-driven architectures
• Experience building and maintaining scalable backend services that process business-critical or financial data in production environments
• Experience contributing to decision engines that integrate with machine learning models to evaluate signals
• Experience writing production-quality code supported by automated testing, monitoring, and observability practices
• Knowledge of financial services, lending, fraud prevention, identity verification, or other risk-sensitive systems
• Experience integrating third-party financial data providers or APIs such as Plaid or similar platforms
• Experience building rule engines, workflow orchestration platforms, or automated decisioning systems
• Knowledge of how machine learning models are integrated, monitored, and evaluated within production systems
• Experience building reusable platform services or shared infrastructure supporting multiple engineering teams

Benefits

• For full-time employees: competitive compensation, including bonus opportunities and annual equity grants that vest quarterly.
• For full-time employees: a 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).
• For eligible employees in the US: Employee Stock Purchase Plan (ESPP) with discounted stock purchase options.
• Comprehensive health coverage, including medical, dental, vision, and wellness resources for US employees, and supplemental health coverage for Canada.
• For eligible plans in the US: Health Savings Account contributions from Upstart.
• 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.
• For US employees: access to financial planning tools and a financial concierge service.
• 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).
• When working from offices in the Bay Area, Austin, Columbus, and New York City: catered lunches and fully stocked micro-kitchens.
• Remote work: most employees can live and work anywhere in the U.S.; most teams meet once or twice per quarter for 2–4 consecutive days of in-person collaboration.

Company Overview

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