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Software Engineer, Capital Insights

Leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
San Mateo, CA, USAColumbus, OH, USAAustin, TX, USA
$142,000 - $196,600
Backend
Mid-Level Software Engineer
Hybrid
1,000 - 5,000 Employees
3+ years of experience
AI · Finance

Job Description

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.

As a Software Engineer on the Capital Insights engineering team, you will be responsible for developing, maintaining, and enhancing reporting systems that support capital markets and lending operations. You'll play a crucial role in defining the future state of reporting infrastructure, driving innovation, and ensuring systems scale to meet growing business demands.

The role involves close collaboration with cross-functional teams, including data engineering, product management, and compliance, to build reliable, scalable systems that deliver critical information in real-time. You'll work on self-service tools to enhance investor experience and optimize business workflows.

The position offers flexibility with remote work options across the US or from physical office locations in San Mateo, Columbus, or Austin. The team operates across all U.S. time zones and has quarterly on-site collaboration sessions (3 days per quarter) with travel expenses covered by Upstart.

This is an excellent opportunity for someone passionate about building high-performance teams and creating reliable, scalable systems in the fintech space. You'll be part of a company that values innovation, collaboration, and making a real impact in the lending industry through technology.

The role offers competitive compensation, comprehensive benefits, and the chance to work on meaningful projects that directly impact the business and its customers. Join us in revolutionizing the lending industry through AI and technology.

Last updated 4 days ago

Responsibilities For Software Engineer, Capital Insights

  • 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 Software Engineer, Capital Insights

Ruby
Kotlin
PostgreSQL
React
Node.js
Python
Kafka
  • 3-5 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 Software Engineer, Capital Insights

401k
Medical Insurance
Dental Insurance
Vision Insurance
Parental Leave
  • Competitive Compensation (base + bonus & equity)
  • Comprehensive medical, dental, and vision coverage
  • 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