Senior Software Engineer, Core GenAI 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; and Austin, Texas.

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!

The Team

Upstart’s new Core GenAI Platform team is building foundational infrastructure that democratizes access to generative AI / LLMs for every product and engineering team across the company.

As a Senior Software Engineer on Upstart's Core GenAI Platform team, you will help design and build a unified interface for securely interacting with large language models - abstracting away the complexity of model selection, prompt orchestration, evaluation, and scaling. You'll help build a centralized GenAI layer that enables engineers to use best-in-class LLMs through clean APIs, configurable pipelines, and intuitive tooling.

Reporting to our Senior Director of Engineering, the team operates with broad scope and high visibility, partnering across Machine Learning, Product, and Compliance to ensure every model integration is performant, secure, and compliant. Whether it's embedding LLMs in user-facing products or optimizing backend workflows, this team makes it seamless for Upstart Engineering to adopt and scale GenAI company-wide.

How you’ll make an impact :

• Build the Core GenAI platform powering generative AI use cases across all of Upstart Engineering.
• Design and implement reliable, observable infrastructure for model inference, prompt orchestration, and data workflows.
• Drive cross-functional adoption of AI tooling by delivering reusable components and intuitive interfaces.Increase developer productivity through automation, metrics dashboards, and streamlined GenAI integrations.
• Set the technical roadmap for platform capabilities, balancing innovation with reliability and compliance.
• Partner with ML researchers, product engineers, and design to bridge experimentation and production.
• Ensure the platform adheres to emerging standards of security, fairness, and explainability for LLM systems.

What we’re looking for :

6+ years of experience in object-oriented software engineering, with a strong systems engineering background

Full Stack development skills including hands on experience with React or similar

Position Location - This role is available in the following locations : Remote, San Mateo, Columbus, Austin

Time Zone Requirements - This team operates across all U.S. time zones.

Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

What you'll love :

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At 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.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range

$163,600—$226,400 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

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