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; Austin, Texas; and New York City, NY (opening Summer 2026).
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!
The Team
We are seeking a Senior Software Engineer to join our Capital Marketplace engineering teams. The Capital Marketplace Vertical is the fuel that power Upstart’s AI based lending operations. Spread across five dynamic high performance teams; Capital Marketplace is in charge of onboarding and maintaining Capital Marketplace relations with both our Lending Partners and Investors. We provide both our internal and external business partners with reports, forecasting, financial reporting and help optimize the connection between our customer base and the funding suppliers.
You’ll collaborate with engineers and cross-functional teams such as Product, Analytics, Lending Partnerships, and Capital Marketplace on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems.
Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin
Time Zone Requirements - This team operates across all U.S. time zones.
Travel Requirements - 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.
How you’ll make an impact:
- 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
What we’re looking for:
- Minimum requirements:
- 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, PostgreSQL, 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
- Nice to haves:
- Experience working with large datasets, data modeling, and building robust data pipelines
- Experience with data tools like ClickHouse, Databricks, dbt, Redshift, and Looker
What you'll love:
- 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
#LI-REMOTE
#LI-Associate
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
Top Skills
Upstart San Mateo, California, USA Office
Upstart's office in San Mateo is located on the peninsula between San Francisco and the South Bay with easy Caltrain access and proximity to several apartment complexes. The office is close to several shopping donations including an outdoor beer garden.
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