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Senior Software Engineer, Capital Supply

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 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 the fuel that powers Upstart's AI-based lending operations. Spread across five dynamic high-performance teams, Capital Supply is in charge of onboarding and maintaining Capital Supply relations with both Lending Partners and Investors. The team provides both internal and external business partners with reports, forecasting, financial reporting and helps optimize the connection between customer base and funding suppliers.

As a Senior Software Engineer in the Capital Supply team, you'll collaborate with engineers and cross-functional teams such as Product, Analytics, Lending Partnerships, and Capital Supply on projects that grow your skills in full stack development, cloud platforms, and financial systems. You'll be responsible for designing and developing scalable solutions, maintaining critical platforms, and ensuring security and performance of systems.

The role offers competitive compensation, comprehensive benefits, and the opportunity to work in a digital-first company with regular on-site collaboration sessions. You'll be part of a team that values both technical excellence and cross-functional collaboration, working on impactful projects that directly contribute to Upstart's mission of enabling access to effortless credit based on true risk.

This is an excellent opportunity for experienced engineers who want to apply their skills in a fintech environment, working with modern technologies and contributing to systems that have a real impact on financial inclusion and access to credit.

Last updated a day ago

Responsibilities For Senior Software Engineer, Capital Supply

  • 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 critical platforms
  • Participate in code reviews, testing, and the deployment of high-quality code

Requirements For Senior Software Engineer, Capital Supply

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 Supply

401k
Medical Insurance
Dental Insurance
Vision Insurance
Parental Leave
Education Budget
  • 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
  • Social activities and team events
  • Catered lunches + snacks & drinks when working in offices

Interested in this job?

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