Upstart is looking to solve the business and technical problem of ensuring smooth loan management, optimizing collections, and cultivating strong customer relationships, with a specialized focus on Payments, by building a best-in-class loan servicing and payments platform.
Requirements
- Proven technical leadership experience in designing and operating distributed, microservices-based systems.
- Deep understanding of release orchestration, deployment, logging, monitoring, and alerting at scale.
- Demonstrated ownership of production-critical payment or financial transaction systems.
- Experience designing and maintaining payments or transaction-oriented systemswith strong reliability guarantees.
- Knowledge of ACH, NACHA, or card payment networks and related operational concerns.
- Experience writing clean, extensible APIsthat abstract payment workflows and enable integration across platforms.
- Familiarity with Ruby on Rails or Kotlin in a microservices environment.
Responsibilities
- Lead successful cross-team or multi-quarter projects that expand the capabilities and reliability of our payments and servicing systems.
- Design and build full-stack features, including new payment workflows, card payment expansion, and flexible payment timing options that empower borrowers.
- Own the architecture for payment abstractions — ensuring idempotency, exactly-once semantics, and extensible contracts that safely integrate with other systems.
- Set engineering standards for correctness, observability, and operational excellence in payment processing.
- Collaborate with internal and external partners to evolve Upstart’s payment platform and maintain compliance with payment network rules and NACHA standards.
- Mentor engineers across the team, sharing expertise on distributed systems, financial domain design, and scalable architecture.
- Help grow the engineering team and foster a culture of technical rigor, ownership, and continuous improvement.
Other
- 5+ years of professional software development experience.
- Strong communication and mentoring skills, with the ability to influence cross-functionally.
- Growth mindset with a commitment to excellence and iterative improvement.
- The team operates on the East/West coast time zones.
- The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites.
