Upstart · 5 hours ago
Senior Software Engineer, Payments
United States
Full-time
Remote
Senior Level
$164K/yr - $226K/yr
5+ years expUpstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The role involves leading the development of a payments platform, ensuring operational excellence, and collaborating with various teams to enhance payment features and integrations.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Lead successful cross-team or multi-quarter projects that expand the capabilities and reliability of our payments and servicing systems
Design and build full-stack features, including new payment workflows, card payment expansion, and flexible payment timing options that empower borrowers
Own the architecture for payment abstractions — ensuring idempotency, exactly-once semantics, and extensible contracts that safely integrate with other systems
Set engineering standards for correctness, observability, and operational excellence in payment processing
Collaborate with internal and external partners to evolve Upstart’s payment platform and maintain compliance with payment network rules and NACHA standards
Mentor engineers across the team, sharing expertise on distributed systems, financial domain design, and scalable architecture
Help grow the engineering team and foster a culture of technical rigor, ownership, and continuous improvement
Qualification
Required
5+ years of professional software development experience
Proven technical leadership experience in designing and operating distributed, microservices-based systems
Deep understanding of release orchestration, deployment, logging, monitoring, and alerting at scale
Demonstrated ownership of production-critical payment or financial transaction systems
Preferred
Experience designing and maintaining payments or transaction-oriented systems with strong reliability guarantees
Knowledge of ACH, NACHA, or card payment networks and related operational concerns
Experience writing clean, extensible APIs that abstract payment workflows and enable integration across platforms
Familiarity with Ruby on Rails or Kotlin in a microservices environment
Strong communication and mentoring skills, with the ability to influence cross-functionally
Growth mindset with a commitment to excellence and iterative improvement
Benefits
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP)
Life and disability insurance
Generous holiday, vacation, sick and safety leave
Supportive parental, family care, and military leave programs
Annual wellness, technology & ergonomic reimbursement programs
Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
Catered lunches + snacks & drinks when working in offices
Company
Upstart
Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
1001-5000 employees
H1B Sponsorship
Upstart has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (68)
2024 (67)
2023 (85)
2022 (85)
2021 (42)
2020 (15)
Funding
Current Stage
Public CompanyTotal Funding
$3.36BKey Investors
CastlelakeProgressiveRakuten
2025-11-06Post Ipo Debt· $1.5B
2025-09-05Post Ipo Debt· $320M
2025-08-12Post Ipo Debt· $600M
Leadership Team
Dave Girouard
Founder & CEO
Paul Gu
Co-Founder
Recent News
The Motley Fool
2026-01-03
The Motley Fool
2026-01-01
2025-12-17
Company data provided by crunchbase