Senior Software Engineer, Identity 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 1,800 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.

The Team

At Upstart, the Identity and Experimentation Platform Team plays a pivotal role in shaping the security and accessibility of our cutting-edge lending products, including Personal Loans, Auto Loans, and Home Loans. We are responsible for creating, securing, and managing borrower and partner identities, ensuring a seamless and secure experience at every touchpoint. As part of our team, you’ll work on the Authentication, Authorization and Experimentation Platform, driving both backend security and frontend user experiences. Our mission is to enable frictionless, secure authentication while safeguarding sensitive data from unauthorized access. If you’re passionate about building scalable security solutions and delivering intuitive user experiences, come be a part of a team that makes financial access more accessible, safer, smarter, and seamless for everyone!

As a Senior Software Engineer on Upstart’s Identity Platform Team, you’ll play a critical role in building and securing our authentication, authorization and experimentation systems. You will be responsible for ensuring that borrowers and partners experience a seamless, secure, and scalable identity framework across our lending products, including Personal Loans, Auto Loans, and Home Loans. You’ll work closely with vertical Engineering, Product, and Security teams to develop and experiment solutions that enhance security, improve authentication flows, and drive innovation in Identity and Access Management (IAM) and Experimentation spaces. This role is ideal for someone who enjoys solving complex technical challenges, values clean and scalable architecture, and is eager to make a significant impact on a high-visibility platform.

How you’ll make an impact

• Design, develop, and optimize secure and scalable authentication and authorization systems.
• Collaborate with cross-functional teams to improve Identity and Access Management (IAM) capabilities, including OAuth, OpenID Connect, MFA, and SSO.
• Partner with Security teams to enhance security policies and standards, ensuring protection against threats and unauthorized access.
• Improve Experimentation platform and Lifecycle across the Upstart Network Inc Products