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, spread across five dynamic teams responsible for managing relationships with Lending Partners and Investors. As a Principal Engineer, you'll work directly with the head of Capital Market Engineering and collaborate across all Capital Supply product engineering teams.

Your role will involve:

• Defining and executing the long-term technical roadmap for Capital Supply engineering
• Guiding architectural evolution with focus on shared systems
• Leading cross-team initiatives and mentoring technical leaders
• Partnering with product leaders to shape product direction
• Identifying high-impact opportunities and driving innovation
• Building and maintaining large-scale, highly available consumer products

The position offers competitive compensation ($186,100—$257,500 USD base salary) plus comprehensive benefits including health coverage, 401(k) matching, equity, and more. As a digital-first company, Upstart offers flexibility with remote work options while maintaining regular in-person collaboration through quarterly team meetings.

This is an excellent opportunity for an experienced technical leader to make a significant impact at a growing fintech company that's revolutionizing lending through AI technology. You'll work with cutting-edge technology while helping expand access to affordable credit across diverse communities.