Senior Engineering Manager, Capital Platform

About Upstart

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.

Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California;
Columbus, Ohio; and Austin, Texas.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!

As a part of the Capital Platform team, you will play a critical role in onboarding and launching new lenders and investors in our Capital Marketplace. You’ll lead end-to-end implementation efforts—from initial setup and integrations to go-live and execution and beyond. This includes coordinating loan originations, managing loan sales post-origination, and providing accurate and timely reporting.

• Design and build scalable systems that automate core Capital Marketplace workflows, reducing manual effort and unlocking new levels of efficiency.
• Collaborate with finance, accounting, and data stakeholders to ensure timely access to accurate financial data used in capital planning and deal execution.
• Partner closely with engineering leadership to define the long-term vision and roadmap for reporting and analytics automation.
• Build tools and pipelines that surface real-time financial metrics, including loss forecasts and liquidity metrics, to internal decision-makers.
• Lay the groundwork for scalable, repeatable processes that improve both internal reporting and external disclosures.

Minimum requirements:

• 3+ years of people and team management experience and 8+ years of experience in software engineering, with at least 3 years on product-focused engineering teams.
• Experience with cloud platforms (AWS, Azure, or Google Cloud) and microservices architecture.
• Exceptional communication and interpersonal skills, with the ability to engage effectively with technical and non-technical stakeholders.

Preferred Requirements:

• Experience building financial tooling or working in capital markets, treasury, or fintech environments.
• Exposure to loan or asset-backed securitization systems, financial forecasting, or internal controls.
• Passion for empowering non-technical teams through data and tooling.

This role is available in the following locations:
Remote, San Mateo, Columbus, Austin

This team operates across all U.S. time zones.

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 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.

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
• 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Generous holiday, vacation, sick and safety leave
• Supportive parental, family care, and military leave programs
• Annual wellness, technology & ergonomic reimbursement programs
• Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
• Catered lunches + snacks & drinks when working in offices

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At Upstart, your base pay is one part of your total…