Software Engineer, Verifications Platform

About Upstart At 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. As 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. We’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 (opening Summer 2026), you’ll have the support to work in the way [... source excerpt omitted ...] ng improve automation, accelerate funding, and maintain risk correctness and compliance across the platform. As a Software Engineer II (L4) on the Verifications Decisioning team, you will design and build backend services that power verification workflows and financial data platforms used across multiple lending products. You'll work on distributed systems that integrate third-party financial data providers, machine learning models, and internal decisioning services while partnering closely with Product, Machine Learning, Risk, Fraud, and other engineering teams to improve automation and platform scalability. How you’ll make an impact Design, build, and maintain scalable backe [... source excerpt omitted ...] onal overhead for internal engineering teams. Partner with Machine Learning, Product, Risk, Fraud, and Compliance teams to integrate data, decisioning logic, and risk models into production systems while maintaining correctness and auditability. Improve system reliability through comprehensive testing, monitoring, observability, and operational best practices for business-critical services. Contribute to the evolution of the verification platform by improving architecture, engineering standards, and shared infrastructure that accelerates product development across Upstart. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, Mathematics, or a related fiel