Software Engineer, Agentic Tooling

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 Build and maintain features across the full stack, including web applications, backend services, and third-party integrations Contribute to the design and implementation of scalable, reliable systems that support loan servicing workflows Collaborate with cross-functional partners to translate business requirements into technical solutions Write high-quality, well-tested code and participate in code reviews to uphold engineering standards Debug issues, troubleshoot production systems, and support ongoing system improvements Identify opportunities to improve processes, tooling, and system efficiency Minimum Qualifications Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 0 to 2 years of experience Experience developing software applications (internships, academic projects, or professional experience) Proficiency in one or more programming languages (e.g., Ruby, Java, Python, JavaScript, or similar) Familiarity with building or consuming APIs and working with web-based applications Understanding of software development fundamentals, including data structures, version control, and testing practices Preferred Qualifications Experience developing full stack web applications using modern frameworks (e.g., React, Next.js, Ruby on Rails, or similar) Familiarity with cloud platforms (e.g., AWS, Google Cloud Platform) or deploying applications in a cloud environment Exposure to microservices architecture or distributed systems concepts Experience working with relational or NoSQL databases Ability to contribute across the stack, including frontend and backend components Demonstrated ability to learn new technologies and improve through feedback 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. 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). United States | Remote - Anticipated Base Salary Range $117,000-$162,000 USD 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). Canada | Remote - Anticipated Base Salary Range $106,300-$130,000 USD 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: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most