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.

Key Responsibilities:

• Define and execute long-term technical roadmap for Capital Supply engineering
• Guide architectural evolution with focus on shared systems
• Drive alignment on complex technical requirements and product direction
• Evaluate and implement new technologies to foster innovation
• Partner with product leaders to shape strategy and drive business impact
• Mentor and develop technical leaders
• Lead critical cross-team initiatives

The role offers competitive compensation ($186,100—$257,500 base) plus equity and comprehensive benefits including medical/dental/vision coverage, 401(k) matching, and flexible work arrangements. As a digital-first company, Upstart enables remote work across the US while maintaining offices in San Mateo, Columbus, and Austin.

Join us in our mission to enable access to effortless credit based on true risk. We're looking for someone who can think strategically, lead without authority, and drive significant organizational impact through technical excellence and leadership.