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Software Engineer, Cash Line

Upstart
Location
United States | Remote
Posted
1 month ago
Department
Engineering Department
What they actually want (must-haves)
  • Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience
  • 4+ years of professional software engineering experience
  • Strong proficiency building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js
  • Experience designing and working with REST or GraphQL APIs, data models, and distributed systems or service-oriented architectures
  • Solid fundamentals in writing tested, maintainable code and collaborating through code review in a team environment
  • Ability to work effectively with product and design partners to deliver features from requirements through production
Nice to have
  • Experience building scalable, reliable systems for consumer-facing products with complex user journeys
  • Familiarity with automated testing, CI/CD workflows, observability, and modern software development practices
  • Exposure to fintech, lending, payments, or other regulated financial products
  • Experience with experimentation, A/B testing, or feature flagging in production environments
  • Active use of AI tools in engineering workflows, with a thoughtful perspective on how AI is reshaping software development
What the job really is

As a Software Engineer on the Cash Line team at Upstart, you will design, build, and maintain backend systems and APIs that enhance the borrower experience across various lending processes. This role involves collaborating with product managers and designers to develop features, writing maintainable code, and ensuring system performance and reliability. You will have the opportunity to work on a business-critical product that directly impacts financial access for consumers.

Benefits
  • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
  • Retirement benefits including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
  • 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
  • Health Savings Account contributions for eligible plans (US only)
  • Income protection benefits including life insurance and disability coverage
Things to weigh
  • No specific mention of the tech stack beyond backend services and APIs
  • Role involves collaboration across disciplines, which may require strong interpersonal skills
  • Remote work is emphasized, but occasional travel for team onsites may be required
Job score3.4/5
Benefits5/5
Freshness4/5
Career value4/5
Role clarity4/5
Pay transparency0/5

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