Software Engineer, Distribution Platform

The job

LIVE Employer public job feed (private-sector employer) Source: the employer's public careers feed · Data: listed 2026-05-19

Job description

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, you’ll have the support to work in the way that works best for you.

If 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.

The Team: 

Upstart's Distribution Platform team is developing innovative solutions and strategies that drive efficient and scalable marketing outreach, empowering us to effectively engage with our users while having a direct impact on Upstart's mission and growth. The team is responsible for some of our highest value distribution channels including digital ads, direct mail, and partner integrations. Our goal is to build an intelligent, unified system that learns, automates, and scales how Upstart engages with our customers on these channels.  

As a Software Engineer on the Distribution Platform team  at Upstart, you will be instrumental in helping us create the tools and systems to target the right users with the right content at the right time. You will work closely with cross-functional counterparts in Analytics, Marketing, Machine Learning, and Product to create a scalable marketing platform that mobilizes Upstart’s owned channels to drive users to our products efficiently. 

How you’ll make an impact

• 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

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of 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 

Preferred Qualifications

• 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

Position location This role is available in the following locations: Remote 

Travel 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.

#LI-REMOTE

#LI-Associate 

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).

What you'll love

At 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:

• 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

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart 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.

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

https://www.upstart.com/candidate_privacy_policy

Explore around this job

Field: Technology Sub-niche: Software engineering All jobs at Upstart

View this job and apply on the employer's page →

You apply on the employer's page; AtiveSite does not receive or process applications and is not affiliated with the employer. The description above is shown as the source published it.

About the role

This is a — role in the Technology field (Software engineering) at Upstart.

We could not match this job title to one occupation in the official wage statistics, so no pay estimate is shown. Pay is not in the source listing; ask the employer for the range and compare in the 240 job niches.

How to prepare and behave

This is editorial guidance, not information from the employer.

• Read the whole description and match your examples to its requirements; use the same words the posting uses where they are true for you.
• Research the employer before the interview: what it does, who its customers are and recent news; prepare two or three questions about the work.
• Arrive early (or log in early for a video call), dress one step above the daily dress code, and test your camera and audio beforehand.
• Answer with short stories: the situation, what you did and the result. Give numbers when you have them and never invent them.
• Be honest about gaps; say what you did to learn and how fast you can close them.
• Ask about the team, the first 90 days, how success is measured and the schedule; do not open with salary and time off.
• When pay comes up, know the market range for the occupation and your lowest acceptable offer before you answer; ask for the full package in writing.
• Send a short thank-you message within a day, mentioning one thing you discussed.
• The listing mentions a remote or flexible location. Confirm with the employer whether remote work applies to your state: taxes, licensing and benefits can depend on where you live.
• Have code, data work or projects you can show, and be ready to think aloud: many technical interviews test how you reason, not only the answer.

Know your rights as a candidate and an employee:

• U.S. Equal Employment Opportunity Commission: prohibited employment practices
• U.S. Department of Labor: Wage and Hour Division
• CareerOneStop (U.S. Department of Labor): job search help, interview tips and resumes
• USA.gov: avoiding job scams

The city

The listing is remote or has no US state we could identify. Read the country guide for pay, taxes, law and cost of living by state.

Where to live

The job city has no coordinates we can place on the map, so no housing comparison is shown. Use the 250 largest cities table to compare rent and income.

Career paths

We could not match this title to one occupation, so here are the other sub-niches in Technology, where your skills may carry over:

Cybersecurity (713) Data, analytics and AI (3366) Cloud, IT and infrastructure (1040) Product management (836)

Distances

This job has no single city we can place on the map (remote, flexible or unmatched location), so no distance table is shown. Browse all Technology jobs with distances from any of the 20 largest cities.

The employer

Upstart is the employer in this listing. See all its open jobs here →

We do not hold headcount or revenue for this employer. Check its careers site and, if it is listed on a stock exchange, its public filings (SEC EDGAR search).

What it is like to work at a company (culture, schedules, benefits) is not in the source data, so we do not describe it. Read the description and ask the questions under "How to prepare".

Other open jobs at Upstart

Similar jobs

Same sub-niche: Software engineering

All Software engineering jobs → · All Technology sub-niches →

FAQ

What is the Software Engineer, Distribution Platform job at Upstart?

A private-sector role in technology (software engineering) listed 174 days ago. The full description is on this page and on the employer's page.

Where is this job?

Remote / flexible (United States). A remote or flexible location is listed; confirm with the employer which states are accepted.

How do I apply?

Use the "View this job and apply on the employer's page" button. AtiveSite does not receive applications.

How much does it pay?

The listing does not publish pay, and we could not match the title to one official occupation.

What is the cost of living there?

See the state or country guide for rent, income and taxes.

How old is this listing?

It was posted on 2026-05-19 (174 days ago). Jobs older than 90 days are not shown.

Are there similar jobs?

Yes: browse software engineering jobs in the United States.

Sources and terms

• Job data: Upstart careers page public feed (listing dated 2026-05-19). The job disappears from this site when it disappears from the source.
• Wages and projections: BLS OEWS (May 2025) and Employment Projections 2025–35.
• City and county figures: Census Bureau ACS 2020–2024, BEA, BLS QCEW and LAUS, NASA POWER climatology; distances from Census Gazetteer coordinates.

AtiveSite is not affiliated with or endorsed by the employer or any government agency, and does not process applications. Verify every detail with the employer before acting.

Sources

• BLS OEWS (wages and employment by occupation, May 2025)
• BLS Employment Projections 2025–35
• BLS Local Area Unemployment Statistics
• BLS JOLTS
• BLS State and Metro Area Employment
• Census Bureau American Community Survey (via Census Reporter)
• BEA GDP by state and Regional Price Parities
• IRS 2026 tax adjustments
• U.S. Department of Labor, minimum wage by state
• Tax Foundation state income tax rates 2026
• USAJOBS
• USCIS
• U.S. Department of State, visas
• NASA POWER climatology
• GeoNames / Census Gazetteer (coordinates)