Senior Software Engineer, Capital Insights

Role Description

As a Senior Software Engineer, you will serve as a key individual contributor responsible for backend services, data pipelines, and reporting infrastructure that ensure capital partners receive accurate, timely, and reliable data. Your work directly supports how capital flows through Upstart’s marketplace and helps scale the platform to support future growth.

• 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.

Qualifications

• 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.

Requirements

• 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.
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada).
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only).
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only).
• Income protection benefits, including life insurance and disability coverage for added financial security.
• Paid time off, sick leave, and company holidays, in line with local requirements.
• Paid family and parental leave to support caregiving and major life moments (duration varies by country).
• Family-centered benefits to support fertility, parenthood, and caregiving needs.
• 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 (US Only).
• 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, all-company updates, and employee resource groups (ERGs).
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).