Software Engineer II - Verifications Decisioning (Remote)

About the Role

Join Upstart as a Software Engineer II, Verifications Decisioning in a remote capacity, where you'll play a pivotal role in reshaping the lending landscape. At Upstart, we are committed to reducing the cost and complexity of borrowing for all Americans. Our innovative AI-driven platform processes over one million predictions per borrower, enabling smarter and fairer lending decisions. As a member of our team, you will have the opportunity to work on impactful projects that help millions achieve financial clarity and confidence.

What You'll Do

• Design and build backend services that power verification orchestration and automated approval decisions.
• Develop and enhance rule engines and decisioning systems to increase automation coverage across lending products.
• Integrate external data providers into resilient and scalable workflows.
• Improve document automation pipelines, including classification, extraction, and fraud detection systems.
• Build and maintain APIs and Kafka events that enable product teams to leverage verification capabilities.
• Collaborate with machine learning engineers to productionize risk models, ensuring decision correctness at scale.
• Contribute to platformization efforts to standardize verification stages for cross-product reuse.
• Enhance compliance, data integrity, and observability across verification systems.

Requirements

• 4+ years of professional software engineering experience.
• Proficient in designing and building scalable backend systems using languages such as Java, Kotlin, Go, or Python.
• Experience with distributed systems, including service-to-service APIs and event-driven architectures.
• Familiarity with decision engines that integrate machine learning models for signal evaluation.
• Strong coding skills with a focus on production-quality code, testing, and monitoring.
• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent experience.

Nice to Have

• Experience building rule engines or risk evaluation platforms.
• Background in financial services, lending, fraud detection, or identity verification systems.
• Experience integrating third-party APIs and external data providers.
• Familiarity with workflow orchestration systems like Temporal.
• Exposure to Kafka or event-driven systems.
• Experience with machine learning model integration in production systems.

What We Offer

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants.
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year.
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options.
• Comprehensive medical, dental, and vision coverage, with Upstart covering 90% to 100% of costs.
• Paid time off, sick leave, and company holidays.
• Paid family and parental leave to support major life moments.
• Annual wellness allowance to support your physical and emotional well-being.
• Connection and community through team events and employee resource groups.