Remote Backend Engineer – Cash Line Platform

Upstart; San Carlos, Northern (CA, KY); Hybrid; USD 142,000 - 197,000; Full time

Job summary

Upstart is seeking a Software Engineer for the Cash Line team to design, build, and operate backend services powering pricing, underwriting, funding, and account management. You'll own features end to end, work with product and design partners, and contribute to the team's reliability and observability while collaborating across the stack on scalable, consumer-facing fintech products.

This remote role supports collaboration with onsite gatherings as needed.

Qualifications

• 4+ years of professional software engineering experience.
• Strong proficiency building backend services and APIs in Python, Java, Kotlin, Ruby, or Node.js.
• Experience designing and working with REST or GraphQL APIs, data models, and distributed systems.
• Solid fundamentals in writing tested, maintainable code and collaborating through code review.
• Ability to work effectively with product and design partners to deliver features from requirements through production.

Responsibilities

• Design, build, and maintain reliable backend services and APIs that support Cash Line and the broader borrower journey.
• Develop systems that power offer generation, pricing, underwriting, funding, and account management experiences.
• Work across the stack to integrate backend capabilities with borrower-facing applications and partner systems.
• Partner with product managers, designers, and engineers to scope, build, and ship features that improve borrower flows and reduce friction.
• Write well-tested, maintainable code and participate in code reviews to raise code quality.
• Contribute to performance, scalability, reliability, and observability of owned systems.
• Support experimentation and iterative improvements by building flexible services and using data to inform next steps.

Skills

Backend services

REST APIs

Distributed systems

Code reviews

Team collaboration

Education

Bachelor's degree or equivalent

Job description

Upstart is seeking a Software Engineer for the Cash Line team to design, build, and operate backend services powering pricing, underwriting, funding, and account management. You'll own features end to end, work with product and design partners, and contribute to the team's reliability and observability while collaborating across the stack on scalable, consumer-facing fintech products.

This remote role supports collaboration with onsite gatherings as needed.