Software Engineer, Agentic Tooling
Role summary
Upstart's Servicing Engineering team is seeking a Software Engineer to build and maintain a scalable loan servicing platform. This role involves full-stack development, designing and implementing reliable systems, and collaborating with cross-functional teams. You will contribute to existing systems and new initiatives, focusing on improving reliability, efficiency, and user experience. The ideal candidate has a Bachelor's degree in a related field and 0-2 years of experience, with proficiency in languages like Ruby, Java, Python, or JavaScript, and experience with APIs and web applications. Familiarity with cloud platforms, databases, and distributed systems is preferred.
About Upstart
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.
The Team
Upstart has experienced significant growth in recent years, processing billions of dollars in loans each quarter. The Servicing Engineering team plays a critical role in managing these loans end-to-end, maximizing collections, and strengthening customer relationships. The team’s mission is to build a scalable loan servicing platform that automates business processes, improves operational efficiency, and delivers intuitive, high-quality experiences for both borrowers and internal partners through data, machine learning, and thoughtful system design.
As a Software Engineer on the Servicing Engineering team, you will partner closely with product, operations, and cross-functional engineering teams to design and build scalable systems that power our servicing platform. You will contribute to both existing systems and new initiatives, helping improve reliability, efficiency, and user experience while growing your technical expertise.
How you’ll make an impact
Minimum Qualifications
Preferred Qualifications
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are expected to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
#LI-REMOTE
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
For roles based in Canada, please note that we are not currently able to hire in Quebec.
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com
https://www.upstart.com/candidate_privacy_policy
Sample Upstart interview questions
- 1
Diameter of a Binary Tree Find the diameter of a binary tree. Input: root = [1,2] Output: 1 Explanation: The longest path is simply the single edge connecting the root node to its only child.
codingmedium - 2
Connected Components in an Undirected Graph Determine the number of connected components in an undirected graph. Input: n = 4, edges = [[0,1],[2,3]] Output: 2 Explanation: The graph is split completely evenly into two distinct isolated components: nodes {0,1} and nodes {2,3}.
codingmedium - 3
Split Array into Consecutive Subsequences Split an array into consecutive subsequences. Input: nums = [1,2,3,4,4,5] Output: FALSE Explanation: The numbers can form [1,2,3,4], but the remaining leftover group [4,5] is too short to form a valid sequence of length 3.
codingmedium - 4
Pacific and Atlantic Water Flow Calculate water flow from a matrix to the Pacific and Atlantic oceans. Input: heights = [[2,1],[1,2]] Output: [[0,0],[0,1],[1,0],[1,1]] Explanation: All cells can flow to both oceans because water can move to adjacent cells of equal or lower height or directly off the edges.
codingmedium - 5
Unique Combinations that Sum to a Target Find all unique combinations in an array that sum to a target. Input: candidates = [2,4,6], target = 6 Output: [[2,2,2], [2,4], [6]] Explanation: Uses backtracking to find all valid combinations that sum to 6, allowing for explicitly repeated elements.
codingmedium
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