Senior Software Engineer, Capital Market

Remote - US Full Time Senior
$160K - $220K Yearly

Published on March 07, 2024

Upstart is the leading AI lending marketplace
We connect millions of consumers to 100+ banks and credit unions who leverage Upstart’s artificial intelligence models and cloud applications to deliver superior credit products. Our platform includes personal loans, automotive retail and refinance loans, small dollar “relief” loans, and later this year, home loans.

About Upstart

Upstart is a 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. More than two-thirds of Upstart loans are approved instantly and are fully automated.

Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!

The Team

As the Senior Software Engineer at Upstart on the Capital Markets team, you will be focused on developing new features to help scale our business while also maintaining and improving the Capital Markets platform. Everything we do, we do at scale, so having a mindset for performance is important to us. We leverage Rails, React, asynchronous processing, and microservices to process loan sales every day. Our team is highly collaborative and motivated to help keep the business running smoothly. As a Senior Software Engineer, you will also have opportunities to mentor other engineers, help shape the future of the product by architecting our new features, and be key in developing our relationships with our business stakeholders in Capital Markets, Finance, and Data Analytics.

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin 

Time Zone Requirements - This team operates on the East/West Coast time zones.

Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per Month/Quarter at the San Mateo, Columbus, Austin office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

How you'll make an impact

  • Influence our product and technical roadmaps by digging deep with our stakeholders and understanding their needs.
  • Contribute to our product and technical roadmaps by owning projects end to end.
  • Work closely with product, stakeholders, and other engineering teams to achieve seamless feature releases.
  • Mentor junior engineers and promote a culture of technical excellence.

What we’re looking for: 

  • Minimum requirements:7+ years of professional experience developing backend or full-stack web applications
  • Expert in object-oriented programming and design, such as through Python, C#, or Java / JVM
  • Master of software development principles and best practices, with deep understanding of creating scalable and maintainable systems, code release, deployment orchestration / rollout mechanisms, logging, instrumentation, monitoring, and alerting in a microservices environment
  • Experience with some or many of the following: Ruby on Rails, PostgreSQL, React, Next.js, Vercel, Python
  • Technical leadership experience, with mentorship of more junior engineers and driving technical direction
  • History of ownership and accountability for the quality and timely delivery of work
  • Demonstrated passion for continuous improvement, with enthusiasm for receiving and incorporating feedback

Preferred qualifications:

  • Background in finance / fintech
  • Prior experience or demonstrated enthusiasm for working on internal tools
  • History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person
  • Experience with cloud compute, services, containerization, continuous integration and deployment (CI/CD)


What you'll love: 

  • Competitive Compensation (base + bonus & equity)
  • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 
  • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
  • 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 including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
  • Catered lunches + snacks & drinks when working in offices




At Upstart, your base pay is one part of your total compensation package.  The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range
$160,400$220,000 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. 

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email