[Remote] Software Engineer, Distribution Platform

Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace dedicated to reducing the cost and complexity of borrowing for all Americans. As a Software Engineer on the Distribution Platform team, you will develop innovative solutions to enhance marketing outreach and engage users effectively. This role involves collaboration with cross-functional teams to design and deliver high-quality products for various marketing channels.

Responsibilities

• 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

Skills

• 4+ years of professional software development experience
• Strong proficiency in one or more programming languages such as Ruby, Java, Kotlin, Python, or Javascript
• 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

Benefits

• Target bonuses
• Equity compensation
• Generous benefits packages (including medical, dental, vision, and 401k)
• 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 to you
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
• Connection and community through team events, all-company updates, and employee resource groups (ERGs)
• Onsite 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 (opening Summer 2026!)

Company Overview

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