Software Engineer, Capital Markets and Insights

About Upstart

Upstart is a 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 two-thirds of Upstart loans are approved instantly and are fully automated.

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!

We are seeking a Software Engineer to join our Capital Markets and Insights engineering team. This team builds and maintains critical systems that help manage millions of dollars in transactions, while providing internal stakeholders and capital supply partners with actionable insights and performance data.

In this role, you will build user friendly systems and self service tools that enhance investor experience and optimize internal business processes. You’ll collaborate with senior engineers and cross-functional teams such as Product, Analytics, Lending Partnerships, and Capital Supply on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems.

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

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

This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

• Collaborate with product managers, engineers, and business stakeholders to deliver projects that align with business goals
• Assist in the design, development, and maintenance of self-service tools that enhance the investor experience
• Work with business stakeholders to identify opportunities for process optimization and build solutions that improve business workflows
• Develop scalable, reliable systems that meet the needs of both internal users and external investors
• Ensure security, performance, and availability of our critical platforms
• Participate in code reviews, testing, and the deployment of high-quality code

• Minimum requirements:
  • 3-5 years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs
  • Experience with some or many of the following:
    Ruby on Rails, Kotlin, Postgre
    
    SQL, React, Next.js, Vercel, Python
  • Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment
  • Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar)
  • Familiarity with database technologies such as SQL and data warehousing solutions
  • Good communication and teamwork skills, with the ability to work effectively with cross-functional teams
• Preferred qualifications:
  • Experience in capital markets, financial services, or a related industry, with a strong understanding of market structures and regulations
  • Prior experience or demonstrated enthusiasm for working on internal tools
  • History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person

• 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…