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Upstart

Senior Software Engineer, Payments

Upstart, Myrtle Point, Oregon, United States, 97458

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Employer Industry: AI Lending Marketplace

Benefits

Salary up to $226,400

Competitive compensation package including base salary, bonuses, and equity options

Comprehensive medical, dental, and vision coverage, including Health Savings Account contributions

401(k) with 100% company match up to $4,500 and immediate vesting

Flexible remote work environment with opportunities for in-person collaboration

Supportive company culture with social activities and employee resource groups

Job Responsibilities

Lead cross-team projects to enhance the capabilities and reliability of payments and servicing systems

Design and build full-stack features for payment workflows, card payment expansion, and flexible timing options

Own the architecture for payment abstractions, ensuring idempotency and extensible contracts

Set engineering standards for correctness, observability, and operational excellence in payment processing

Mentor engineers on distributed systems and scalable architecture

Qualifications

Minimum of 5 years of professional software development experience

Proven technical leadership in designing and operating distributed, microservices-based systems

Deep understanding of release orchestration, deployment, logging, monitoring, and alerting at scale

Experience owning production-critical payment or financial transaction systems

Strong communication and mentoring skills

Preferred Qualifications

Experience with payments or transaction-oriented systems with strong reliability guarantees

Knowledge of ACH, NACHA, or card payment networks

Experience writing clean, extensible APIs for payment workflows

Familiarity with Ruby on Rails or Kotlin in a microservices environment

Growth mindset with a focus on excellence and iterative improvement

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