Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace dedicated to reducing the cost and complexity of borrowing for all Americans. As a Senior Software Engineer on the Foundations team, you will build and maintain scalable backend systems that support marketing initiatives, improving data workflows and collaborating with cross-functional teams to enhance data quality and availability.
Responsibilities
- Build and maintain scalable backend systems and data pipelines that support audience segmentation and marketing attribution workflows
- Partner with product managers, marketers, and engineers to deliver data solutions that support customer acquisition and conversion goals
- Extend existing data infrastructure to support increasing data volumes, evolving business requirements, and new integrations
- Contribute to data quality initiatives by implementing monitoring, validation, and guardrail mechanisms across critical datasets
- Participate in technical discussions around architecture, access patterns, and platform scalability to support long-term platform growth
Skills
- Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
- 5+ years of experience building and maintaining backend distributed systems or large-scale data platforms
- Experience working with data processing systems, databases, or data pipelines in production environments
- Experience implementing fault tolerance, monitoring, and observability practices for backend systems
- Experience collaborating cross-functionally with engineering, product, or business stakeholders to deliver technical solutions
- Knowledge of data modeling and schema design best practices for large-scale data systems
- Experience supporting marketing technology, attribution, or customer segmentation platforms
- Familiarity with data governance, privacy, and PII security considerations
- Ability to balance short-term feature delivery with long-term platform maintainability and scalability
- Experience contributing to architectural discussions and improving engineering best practices across teams
Benefits
- Target bonuses
- Equity compensation
- Generous benefits packages (including medical, dental, vision, and 401k)
- Base pay, 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 designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Income protection benefits, including life insurance and disability coverage for added financial security
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (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 wellness resources, including access to financial planning tools and a financial concierge service (US Only)
- 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, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
Company Overview
Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is https://upstart.com/about.Company H1B Sponsorship
Upstart has a track record of offering H1B sponsorships, with 14 in 2026, 67 in 2025, 66 in 2024, 84 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role.