Principal Software Engineer, Capital Marketplace

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.

The Team The Capital Supply Vertical is the fuel that powers Upstart's AI based lending operations. As a Principal Engineer at Upstart on the Capital Supply team, you will collaborate with all parts of the Upstart business and engineering, including Machine Learning, Data Engineering, Product Management, Product Design, Platform, Servicing, Lending Partnerships, and Auto. The role will report directly to a head of Capital Market Engineering and work closely with all five of the Capital Supply product engineering teams.

You will help define the Capital Supply engineering's longer term technical roadmap, guide architectural evolution, uncover and drive alignment across complex technical requirements, proactively evaluate and prototype new technologies, partner with product leaders, and mentor technical leaders. Your goal is to autonomously identify and prioritize high impact work that will ultimately make the Capital Supply Vertical successful.

This is an opportunity to join a digital-first company that's revolutionizing the lending industry through AI and technology. You'll work with cutting-edge technologies while helping expand access to affordable credit. The role offers competitive compensation including equity, comprehensive benefits, and the flexibility to work remotely or from offices in San Mateo, Columbus, or Austin.

The ideal candidate will bring 10+ years of software engineering experience, strong technical fundamentals, and a proven track record of building large-scale consumer products. You should excel at explaining complex concepts, leading cross-team initiatives, and developing technical leaders. Experience with financial technology, distributed systems, and AI/ML is highly valuable for this role.

Join us in our mission to enable access to effortless credit based on true risk while working with a talented team that's passionate about using technology to make a difference in people's financial lives.