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Senior Software Engineer, Capital Marketplace

Leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
San Mateo, CA, USAColumbus, OH, USAAustin, TX, USA
$163,600 - $226,400
Backend
Senior Software Engineer
Remote
1,000 - 5,000 Employees
5+ years of experience
AI · Finance

Description For Senior Software Engineer, Capital Marketplace

Upstart, a leading AI lending marketplace, is seeking a Senior Software Engineer to join their Capital Marketplace engineering teams. This role is crucial in powering Upstart's AI-based lending operations through the Capital Marketplace Vertical, which manages relationships with both Lending Partners and Investors.

The position offers a unique opportunity to work on high-impact projects that directly influence the company's core lending operations. As part of the Capital Marketplace team, you'll be responsible for developing and maintaining systems that handle investor relations, financial reporting, and optimization of funding connections between customers and suppliers.

The role combines technical expertise with business impact, requiring strong full-stack development skills and experience with modern technologies like Ruby on Rails, Kotlin, PostgreSQL, and React. You'll work in a distributed systems environment, handling real-time data processing pipelines and cloud-native applications.

What makes this role particularly exciting is the opportunity to work at the intersection of technology and financial services, helping to revolutionize the lending industry through AI and automation. The position offers flexibility with remote work options and regular on-site collaboration sessions (3 days per quarter).

The compensation package is highly competitive, including base salary, bonus, and equity, along with comprehensive benefits such as medical coverage, 401(k) matching, and various allowances for wellness and technology. The company culture emphasizes work-life balance, professional growth, and inclusive team collaboration.

This is an ideal opportunity for experienced engineers who want to make a significant impact in the fintech space while working with cutting-edge technologies and a talented team. The role offers both technical challenges and the satisfaction of contributing to Upstart's mission of enabling access to effortless credit based on true risk.

Last updated 3 days ago

Responsibilities For Senior Software Engineer, Capital Marketplace

  • Collaborate with product managers, engineers, and business stakeholders to deliver projects that align with business goals
  • Assist in the design, development, and maintenance of self-service tools that enhance the investor experience
  • Work with business stakeholders to identify opportunities for process optimization
  • Develop scalable, reliable systems that meet the needs of both internal users and external investors
  • Ensure security, performance, and availability of our critical platforms
  • Participate in code reviews, testing, and the deployment of high-quality code

Requirements For Senior Software Engineer, Capital Marketplace

Ruby
Kotlin
PostgreSQL
React
Python
Kafka
  • 5+ years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs
  • Experience with Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python
  • Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment
  • Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar)
  • Familiarity with database technologies such as SQL and data warehousing solutions
  • Good communication and teamwork skills

Benefits For Senior Software Engineer, Capital Marketplace

Medical Insurance
Dental Insurance
Vision Insurance
401k
Equity
Parental Leave
  • Competitive Compensation (base + bonus & equity)
  • Comprehensive medical, dental, and vision coverage with Health Savings Account
  • 401(k) with 100% company match up to $4,500
  • Employee Stock Purchase Plan (ESPP)
  • Life and disability insurance
  • Generous holiday, vacation, sick and safety leave
  • Supportive parental, family care, and military leave programs
  • Annual wellness, technology & ergonomic reimbursement programs
  • Catered lunches + snacks & drinks when working in offices

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