Software Engineer, Distribution Platform

About Upstart

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.

Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California;
Columbus, Ohio;
Austin, Texas; and New York City, NY (opening Summer 2026).

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!

Upstart's Distribution Platform team is developing innovative solutions and strategies that drive efficient and scalable marketing outreach, empowering us to effectively engage with our users while having a direct impact on Upstart's mission and growth. The team is responsible for some of our highest value distribution channels including digital ads, direct mail, and partner integrations. Our goal is to build an intelligent, unified system that learns, automates, and scales how Upstart engages with our customers on these channels.

As a Software Engineer on the Distribution Platform team at Upstart, you will be instrumental in helping us create the tools and systems to target the right users with the right content at the right time. You will work closely with cross-functional counterparts in Analytics, Marketing, Machine Learning, and Product to create a scalable marketing platform that mobilizes Upstart’s owned channels to drive users to our products efficiently.

• Work with cross functional partners including product managers, designers, machine learning engineers, analytics, and marketing managers to design and deliver high-quality products to be served across various marketing channels
• Design and build technology for serving marketing content to users in a scalable and efficient manner
• Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base

• 4+ years of professional software development experience
• Strong proficiency in one or more programming languages such as Ruby, Java, Kotlin, Python, or Java script
• Experience building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP).
• Experience leading small to medium sized projects over multiple months and/or multiple engineers
• Excellent written and verbal communication skills with the ability to work in a distributed team

• Experience working on systems that integrate with 3rd parties and/or ingest, store, expose large amounts of data
• 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

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 encouraged 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.

This role is available in the following locations:
Remote

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
• Employee Stock Purchase…