Software Engineer, Verifications Platform
About the role
The Team:
Upstart’s Verifications Decisioning Engineering team builds the backend platform that powers automated verification, fraud detection, and approval decisions across all lending products. The team owns verification logic, risk signal generation, document automation, bank account integrations, and rule-based decisioning systems that enable near-instant funding experiences. Our north-star goal is to achieve fully automated decisioning while maintaining risk correctness and compliance integrity.
As a Software Engineer, Verifications Platform, you will build and scale backend services that power automated approval decisions, verification workflows, and fraud detection systems. You will work on distributed systems that integrate with third-party data providers, machine learning models, and internal rule engines to power accurate, compliant, and highly automated lending decisions, while collaborating cross-functionally to optimize the verifications journey, and contributing to the development of our next-generation decisioning and automation platform.
How you’ll make an impact
- Design and build backend services that power verification orchestration, risk evaluation, and automated approval decisions.
- Develop and evolve rule engines and decisioning systems to increase automation coverage across products.
- Integrate external data providers (e.g., Plaid) into resilient, scalable workflows.
- Improve document automation pipelines including classification, extraction, and fraud detection systems.
- Build and maintain APIs, Kafka events, and service contracts that enable product teams to consume verification capabilities.
- Build platform capabilities that enable reusable financial data connections across products while improving automation, observability, and connection lifecycle management.
- Partner with underwriting, and verification teams to streamline Plaid data usage and accelerate the adoption of financial signals in decisioning models and automated workflows.
- Collaborate with ML teams to productionize risk models and ensure decision correctness at scale.
- Contribute to platformization efforts to standardize Verification capabilities for reuse across all lending products.