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 an exciting opportunity to work on high-impact projects within a dynamic fintech environment. As part of the Capital Marketplace team, you'll be responsible for developing and maintaining systems that connect customers with funding suppliers, while providing essential reporting and forecasting capabilities to business partners.

The role combines technical expertise with business impact, requiring proficiency in full-stack development, distributed systems, and cloud platforms. You'll work with modern technologies including Ruby on Rails, Kotlin, PostgreSQL, React, and Python, while building scalable solutions that serve both internal and external stakeholders.

What makes this role particularly compelling is the opportunity to work at the intersection of technology and financial services, directly contributing to Upstart's mission of enabling access to effortless credit based on true risk. The company's digital-first approach offers flexibility in work location, with options for remote work across the US or from offices in San Mateo, Columbus, or Austin.

The compensation package is 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 collaboration and innovation, with regular team events and opportunities for professional growth.

This position is ideal for experienced engineers who are passionate about building robust financial systems and want to make a meaningful impact in the fintech industry. The role offers a unique blend of technical challenges, business exposure, and the opportunity to work with cutting-edge AI technology in lending.

Travel requirements include quarterly on-site collaboration sessions (3 days per quarter) at an Upstart office, with all travel expenses covered by the company. The team operates across all U.S. time zones, offering flexibility while maintaining strong collaboration through regular synchronization.