[Remote] Senior Software Engineer, Lifecycle

Note: The job is a remote job and is open to candidates in USA. Upstart is an AI lending marketplace that uses technology to expand access to affordable credit. The Senior Software Engineer, Lifecycle will design and operate scalable backend services and data-driven systems for personalized communications across SMS, email, push, and emerging channels, while leading projects and collaborating with cross-functional teams.

Responsibilities

• Design and build scalable backend services that power our unified communications platform across SMS, email, push, and future channels
• Develop systems for real-time, event-triggered messaging and self-serve marketing automation and experimentation capabilities
• Translate large, complex datasets into high-leverage marketing capabilities through APIs, streaming pipelines, and reverse ETL workflows
• Partner closely with product managers, lifecycle marketing, data insights, analytics, and data platform teams to define requirements and deliver impactful, data-driven solutions
• Lead medium-sized projects independently—proactively identifying risks, managing ambiguity, and driving execution from design through launch
• Strengthen our engineering culture by improving system reliability, accelerating iteration, and clearly communicating technical trade-offs to cross-functional stakeholders

Skills

• Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 6 years of experience
• Experience building and operating microservices and APIs in a cloud environment (preferably AWS)
• Proficiency in at least one backend language such as Kotlin, Java, Ruby, or Python
• Demonstrated ability to independently execute on projects, navigate ambiguity, and collaborate effectively with cross-functional partners
• Excellent written and verbal communication skills with the ability to work in a distributed team
• This role is available in the following locations: Remote
• The team operates on the East/West coast time zones
• The majority of our employees can live and work anywhere in the U.S
• Experience supporting Marketing, Growth, or GTM teams, particularly in environments involving CDPs, customer segmentation, or campaign orchestration
• Experience with reverse ETL tools (e.g., Hightouch, Census), data pipeline tooling (e.g., Airbyte, Fivetran, Databricks), or marketing automation platforms (e.g.,Iterable, Braze, or Salesforce Marketing Cloud)
• Familiarity with real-time event streaming systems and high-throughput messaging architectures
• Experience integrating with third-party APIs and building systems that ingest, transform, and expose large volumes of data
• Track record of leading medium-to-large projects and contributing to system design decisions with long-term platform impact

Benefits

• Competitive compensation, including bonus opportunities and annual equity grants that vest quarterly
• 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, including medical, dental, vision, and wellness resources for US employees and supplemental health coverage for Canada
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Life insurance and disability coverage
• 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 physical and emotional well-being and personal development
• Annual productivity allowance to invest in relevant tools and resources needed to do your best work
• 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
• Digital-first flexibility to work primarily from home or collaborate in person from one of the company's offices

Company Overview

Company H1B Sponsorship