Software Engineer (Python, Java)

About this role

About Upstart
At Upstart, we are driven by a mission to radically reduce the cost and complexity of borrowing for all Americans. Our innovative approach leverages creativity, experimentation, and advanced artificial intelligence to reshape access to credit, empowering millions of individuals to move forward financially with clarity and confidence. As the leading AI lending marketplace, we collaborate with banks and credit unions to expand responsible and affordable credit through technology that is both intelligent and deeply human-centric. Our platform processes over one million predictions per borrower using more than 1,800 signals, enabling smarter, fairer lending decisions that benefit millions of customers. Beyond the numbers, our impact is measured by the real financial progress we help facilitate, ensuring credit is never a barrier to opportunity.


We operate with a digital-first mindset, offering flexibility for our team members to work from wherever they thrive, whether remotely or from our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026). We foster in-person connections through team events, planning sessions, and creative collaborations, maintaining a culture of trust and innovation. If you are passionate about solving meaningful problems, eager to innovate with purpose, and motivated by work that makes a tangible difference, Upstart welcomes your application.


About The Role
We are seeking a talented Senior Backend Engineer to join our dynamic team focused on building and scaling Upstart’s newest credit product, Cash Line. This product is an innovative, always-on revolving credit solution designed to expand access to responsible, fairly priced credit by rethinking traditional credit structures through AI-driven underwriting. As part of a small, high-ownership engineering team operating like a startup within Upstart, you will own the end-to-end development of core backend systems that support underwriting,...