Senior Software Engineer, Capital Insights

Upstart is an AI lending marketplace dedicated to radically reducing the cost and complexity of borrowing. Our platform uses AI to power smarter, fairer credit decisions for millions of customers by partnering with banks and credit unions. We are a digital-first company fostering collaboration through team onsites and fostering an inclusive environment as an Equal Opportunity Employer.

Introduction

At Upstart, our mission is to radically reduce the cost and complexity of borrowing for all Americans. We leverage creativity, experimentation, and advanced AI to redefine access to credit, helping millions achieve financial progress. As the leading AI lending marketplace, we partner with banks and credit unions to offer affordable credit through intelligent and human-centric technology. Our platform utilizes over one million predictions per borrower with more than 1,800 signals to power smarter, fairer decisions.

We embrace a digital-first approach, offering most Upstarters the flexibility to work from anywhere they thrive. We foster in-person collaboration through team onsites and planning sessions. This role is remote, and the team operates across East/West coast time zones. While primarily remote, employees are encouraged to attend regular onsites (typically once or twice per quarter for 2-4 days).

Responsibilities

• Design and evolve backend services, data models, and reporting APIs that power partner-facing reporting across multiple lending products.
• Build and maintain data pipelines and reporting systems that deliver accurate, timely loan and portfolio data under strict SLAs.
• Improve system reliability and operational health by reducing incidents, automating manual processes, and strengthening observability.
• Lead design and implementation of cross-product platform capabilities, including unified APIs and portals.
• Partner with Capital Markets, Finance, and Data teams to define requirements, troubleshoot production issues, and deliver scalable solutions.
• Identify structural inefficiencies in legacy systems and drive platform-level improvements that reduce operational burden.
• Mentor engineers on best practices for data modeling, distributed systems design, and production operations in a regulated fintech environment.

Requirements

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) plus 4+ years of experience building and operating backend systems.
• Experience with at least one modern backend stack (e.g., Ruby on Rails, Java, or similar) and relational databases (SQL).
• Hands-on experience with data pipelines or analytical data stores, such as Airflow, Spark, dbt, ClickHouse / Snowflake / BigQuery / Redshift, or equivalent technologies.
• Experience owning systems end-to-end, including design, deployment, monitoring, and on-call support.

Nice to Have

• Experience in fintech, lending, capital markets, or financial reporting environments with high data accuracy requirements.
• Knowledge of modern data platforms and analytics tools (e.g., Databricks, ClickHouse, Looker, dbt).
• Experience designing and maintaining external APIs (REST) or file-based data integrations for enterprise partners.
• Ability to improve system reliability through observability, automation, and incident reduction practices.
• Ability to collaborate across technical and non-technical teams to define requirements and deliver solutions.

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year.
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees.
• Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose.
• Health Savings Account contributions from Upstart for eligible plans.
• Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage.
• Paid time off, sick and safe time, and company holidays.
• Paid family and parental leave to support caregiving and major life moments.
• Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving.
• 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.
• 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 and onsites, all-company updates, and employee resource groups (ERGs).
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).

About Company

Upstart is an AI lending marketplace dedicated to radically reducing the cost and complexity of borrowing. Our platform uses AI to power smarter, fairer credit decisions for millions of customers by partnering with banks and credit unions. We are a digital-first company fostering collaboration through team onsites and fostering an inclusive environment as an Equal Opportunity Employer.

How to Apply

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. For more information, please visit https://www.upstart.com/candidate_privacy_policy.