{"id":132187,"url":"https://alion.io/job/upstart-senior-software-engineer-white-label-platform","title":"Senior Software Engineer, White Label Platform","company":{"id":1709,"name":"Upstart","domain":"upstart.com","url":"https://alion.io/company/upstart","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":{"grade":"A","score":86,"open_postings":17,"ghost_share":0,"stale_share":0.353,"repost_share":0,"time_to_fill_p50_days":70,"computed_at":"2026-10-17T05:46:00Z"}},"role":"Backend","role_family":"Backend","seniority":"senior","employment_type":null,"work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"posting_text","remote_working_hours":null,"hiring_geo_confidence":"explicit","locations":["United States"],"countries":["US"],"hiring_countries":["CA"],"hiring_countries_total":1,"salary":{"min":166900,"max":230900,"currency":"USD","period":"year","gross":null,"usd_annual":230900},"salary_estimate":null,"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":true,"technologies":[{"name":"Apache Kafka","optional":false},{"name":"AWS","optional":false},{"name":"Azure","optional":false},{"name":"GCP","optional":false},{"name":"Kotlin","optional":false},{"name":"Next.js","optional":false},{"name":"PostgreSQL","optional":false},{"name":"Python","optional":false},{"name":"React.js","optional":false},{"name":"Ruby on Rails","optional":false},{"name":"Spark","optional":false},{"name":"SQL","optional":false},{"name":"Vercel","optional":false},{"name":"JavaScript","optional":true},{"name":"Ruby","optional":true}],"status":"live","first_seen_at":"2026-06-30T21:21:19Z","employer_posted_date":"2026-09-21","last_verified_at":"2026-10-18T16:37:13Z","board_verified":true,"closed_at":null,"days_open":109,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":109},"description":"About Upstart\nAt 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.\nAs 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 3,000 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.\nWe’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, you’ll have the support to work in the way that works best for you.\nIf 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.\nThe Team: \nThe Capital Marketplace vertical is the fuel that powers Upstart’s AI based lending operations. Spread across multiple dynamic high performance teams; Capital Marketplace is in charge of onboarding and maintaining Capital Marketplace relations with both our Lending Partners and Investors. The White Label Platform team owns the end to end white label offering at Upstart. The team’s mission is to make White Label offering increasingly configuration-driven and reusable, where onboarding new partners becomes more about enabling capabilities than building net-new flows every time. This team is one of the pillars of the Capital Marketplace organization which is a B2B side of the business with direct impact to revenue.\nAs the Senior Software Engineer at Upstart, you will contribute to shape up the platform, collaborate with engineers and cross-functional teams such as Product, Pricing, Analytics, Lending Partnerships, and Capital Marketplace on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems. \nHow you’ll make an impact\nCollaborate with product managers, engineers, and business stakeholders to deliver projects that align with business goals\nAssist in the design, development, and maintenance of self-service tools that enhance the investor experience\nWork with business stakeholders to identify opportunities for process optimization and build solutions that improve business workflows\nDevelop scalable, reliable systems that meet the needs of both internal users and external investors\nEnsure security, performance, and availability of our critical platforms\nParticipate in code reviews, testing, and the deployment of high-quality code\nMinimum Qualifications \n5+ years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs\nDesign, build, and maintain scalable APIs, services, and UIs that enable partners to access performance data, operational workflows, and program controls.\nExperience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python\nExperience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment\nExperience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar)\nFamiliarity with database technologies such as SQL and data warehousing solutions\nGood communication and teamwork skills, with the ability to work effectively with cross-functional teams\nPreferred Qualifications\nExperience with building robust platform\nExperience in capital markets, financial services, or a related industry, with a strong understanding of market structures and regulations\nPrior experience or demonstrated enthusiasm for working on internal tools\nHistory of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person\nExperience with Ruby on Rails, Kotlin, or React\nPosition location This role is available in the following locations: Remote\nTravel 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 encouraged to 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.\nAt 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.\nIn addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).\nUnited States | Remote - Anticipated Base Salary Range\n$166,900—$230,900 USD\nWhat you'll love\nAt Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:\nCompetitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly \nRetirement 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)\nEmployee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)\nComprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.\nHealth Savings Account contributions from Upstart for eligible plans (US only)\nIncome protection benefits, including life insurance and disability coverage for added financial security\nPaid time off, sick leave, and company holidays, in line with local requirements\nPaid family and parental leave to support caregiving and major life moments (duration varies by country)\nFamily-centered benefits to support fertility, parenthood, and caregiving needs\nEmployee Assistance Program (EAP) offering mental health support and life-centered resources\nFinancial wellness resources, including access to financial planning tools and a financial concierge service (US Only)\nAnnual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you\nAnnual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from\nConnection and community through team events, all-company updates, and employee resource groups (ERGs)\nOnsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City\nFor roles based in Canada, please note that we are not currently able to hire in Quebec.\nUpstart 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.\nIf you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email \nhttps://www.upstart.com/candidate_privacy_policy","description_format":"text","description_chars":8371,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["401k plan","Equity","Life insurance","Parental leave","Retirement plans"],"hiring_locations":[{"name":"Canada","iso":"CA","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Software & Embedded Finance","Financial AI","Consumer Loans & Pawnshops"],"lifecycle":[{"event":"open","at":"2026-06-30T21:21:19Z"}],"visa":[],"liveness":{"score":21,"band":"cold","label":"Long shot","p_open":1,"p_active":0.596,"p_room":0.36,"age_days":108,"expected_fill_days":70,"reasons":["conf:3","velocity","win:tail","crowd:"],"computed_at":"2026-10-17T05:46:00Z"},"pay":{"stated_usd_annual":230900,"is_top_pay":true},"html_url":"https://alion.io/job/upstart-senior-software-engineer-white-label-platform","json_url":"https://alion.io/job/upstart-senior-software-engineer-white-label-platform.json","meta":{"generated_at":"2026-10-18T17:20:36Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":22510,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-19T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":1709},"rest":"https://alion.io/mcp/rest/get_company?id=1709"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fupstart-senior-software-engineer-white-label-platform"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fupstart-senior-software-engineer-white-label-platform"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fupstart-senior-software-engineer-white-label-platform"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/upstart-senior-software-engineer-white-label-platform\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fupstart-senior-software-engineer-white-label-platform"}]}