[Remote] Senior Software Engineer, Distribution Platform

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Note: The job is a remote job and is open to candidates in USA. Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As a Senior Software Engineer on the Distribution Platform team, you will design and build systems that connect marketing efforts to users, driving development of scalable platform capabilities and collaborating with cross-functional partners to enhance customer engagement.


Responsibilities

  • Lead the design and development of scalable systems that deliver marketing content across key outbound channels.
  • Partner with machine learning, analytics, and marketing stakeholders to optimize targeting and improve customer engagement.
  • Own projects from ideation to launch guiding architecture, implementation, and operational readiness.
  • Drive platform reliability and evolve internal tools that enable experimentation, automation, and performance insights.
  • Mentor junior engineers and contribute to growing a culture of technical excellence and cross-functional collaboration.

Skills

  • 7+ years of professional software development experience
  • Strong proficiency in one or more programming languages such as Ruby, Java, Kotlin, Python, or Javascript
  • Experience building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP)
  • Proven ability to lead projects involving multiple engineers or stakeholders over extended timelines
  • Excellent written and verbal communication skills with the ability to work in a distributed team
  • Experience building systems that integrate with 3rd parties or manage large scale data flows
  • Experience with SQL, data warehouses, or other database technologies
  • Professional experience with digital advertising platforms like Google Ads or Meta Ads
  • Professional experience working with Ruby on Rails and/or Kotlin
  • Experience or interest in working with React, typescript, or front end technologies
  • Experience working with marketing technology or growth engineering

Benefits

  • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
  • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
  • 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 Overview

  • Upstart (NASDAQ: UPST) 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 48 in 2025, 70 in 2024, 85 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role.

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