[Hiring] Software Engineer, Verifications REMOTE USA

Position: Software Engineer Verifications

Date Posted: 28 January 2026

Industry: FinTech / AI Lending / Software Engineering

Employment Type: Full Time

Experience: 3+ years

Qualification: Estimated Bachelor’s Degree holder in Computer Science, Software Engineering, or a related technical field

Salary: $142,000—$196,600

Location: United States, REMOTE

Company: Upstart

Description:

Upstart is transforming the borrowing experience for millions of Americans by combining AI-driven technology with a mission to make credit more accessible, affordable, and intelligent. Our platform leverages over 1,800 data signals per borrower to enable smarter lending decisions, while maintaining a digital-first work culture that supports employees across 80+ cities in the U.S. and Canada.

We are seeking a Software Engineer to join our Verifications Decisioning team, which focuses on improving loan performance, automating decision-making, and preventing fraud using machine learning (ML) models. This team ensures applicants can access funds quickly, often within 24 hours, while extending advanced verification processes to emerging products like HELOC, Auto, and Small Dollar loans.

In this role, you will build services to integrate with new data sources, develop scalable gRPC APIs for internal consumption, and maintain high standards of data quality through robust testing frameworks. Your work will directly support improvements to ML model accuracy and extend Upstart’s innovative verification capabilities.

Key Responsibilities:

• Partner with cross-functional teams to translate business goals into technical requirements
• Design, develop, and maintain high-performance services for real-time data retrieval and decisioning
• Optimize and refactor code to ensure scalability, efficiency, and low-latency responses
• Maintain API infrastructure supporting multiple products and integrations
• Ensure ML model reliability through unit and integration testing, code reviews, and monitoring production systems

Minimum Qualifications:

• 3+ years of professional software development experience building scalable web or mobile products
• Strong coding skills in Python, Kotlin, and/or Ruby on Rails
• Growth mindset and willingness to adopt new technologies
• Excellent communication skills for conveying technical concepts to non-technical stakeholders
• Ownership mentality and problem-solving skills to navigate ambiguity

Preferred Qualifications:

• Ability to think like an owner and make impactful decisions
• Strong written and verbal communication, adaptable to various audiences
• Contributions to open-source projects or knowledge of modern software development best practices
• Hands-on experience with advanced CI/CD technologies and infrastructure-as-code
• Expertise in a domain, with the ability to mentor and guide teammates

Work & Travel:

• Primarily remote, with optional collaboration from San Mateo, Columbus, or Austin offices
• Teams meet 1–2 times per quarter for 2–4 day in-person sessions

Compensation & Benefits:

• Competitive base salary, target bonuses, and equity grants
• 401(k) plan with generous matching ($2 for every $1 contributed, up to $15,000/year)
• ESPP with discounted stock options
• Medical, dental, and vision coverage, with Upstart covering 90–100% depending on the plan
• Paid time off, sick leave, and holidays, plus family/parental leave
• Support for fertility, parenthood, caregiving, mental health, and financial wellness
• Annual wellness and productivity allowances
• Connection and community through team events, ERGs, and company updates
• Onsite perks for employees visiting Bay Area, Austin, Columbus, or New York City offices

Upstart is committed to equal opportunity and inclusive hiring practices, reflecting our dedication to making credit accessible and fair for everyone.

Disclaimer: The job details above are structured for clarity and based on publicly available content from recruiters/Company pages. All rights remain with the original source; names may be withheld for confidentiality. We are not involved in the hiring process.