Principal Software Engineer, Capital Supply

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.

The Capital Supply Vertical is crucial to Upstart's AI-based lending operations, managing relationships with Lending Partners and Investors across five dynamic teams. As a Principal Engineer, you'll work directly with the head of Capital Market Engineering and collaborate across all aspects of the business including Machine Learning, Data Engineering, Product Management, and more.

In this role, you'll:

• Define and drive the Capital Supply engineering's long-term technical roadmap
• Guide architectural evolution with focus on shared systems
• Lead complex technical requirements and influence product direction
• Evaluate and implement new technologies to foster innovation
• Partner with product leaders to drive business impact
• Mentor and develop technical leaders
• Identify high-leverage opportunities

You'll be part of a digital-first company with offices in San Mateo, Columbus, and Austin. The role offers competitive compensation ($186,100-$257,500 base), equity, comprehensive benefits, and the opportunity to shape the future of financial technology.

This is an ideal role for an experienced technical leader who can drive initiatives across multiple teams, influence without direct authority, and balance technical depth with business impact. You'll help evolve Upstart's lending platform while enabling access to effortless credit based on true risk assessment.