Senior Software Engineer, Capital Insights

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Capital Insights team sits within the Capital Platform pillar and is responsible for partner-facing reporting that enables lenders and institutional investors to understand and manage their portfolios. The team builds and maintains APIs, data pipelines, data models, and reporting systems that power loan funding, loan sales, and financial reporting across products. As a Senior Software Engineer, you will serve as a key individual contributor responsible for backend services, data pipelines, and reporting infrastructure that ensure capital partners receive accurate, timely, and reliable data. Your work directly supports how capital flows through Upstart’s marketplace and helps scale the platform to support future growth. How you’ll make an impact: Design and evolve backend services, data models, and reporting APIs that power partner-facing reporting across multiple lending products Build and maintain data pipelines and reporting systems that deliver accurate, timely loan and portfolio data under strict SLAs Improve system reliability and operational health by reducing incidents, automating manual processes, and strengthening observability Lead design and implementation of cross-product platform capabilities, including unified APIs and portals Partner with Capital Markets, Finance, and Data teams to define requirements, troubleshoot production issues, and deliver scalable solutions Identify structural inefficiencies in legacy systems and drive platform-level improvements that reduce operational burden Mentor engineers on best practices for data modeling, distributed systems design, and production operations in a regulated fintech environment Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) plus 4+ years of experience building and operating backend systems Experience with at least one modern backend stack (e.g., Ruby on Rails, Java, or similar) and relational databases (SQL) Hands-on experience with data pipelines or analytical data stores, such as Airflow, Spark, dbt, ClickHouse / Snowflake / BigQuery / Redshift, or equivalent technologies Experience owning systems end-to-end, including design, deployment, monitoring, and on-call support Preferred Qualifications Experience in fintech, lending, capital markets, or financial reporting environments with high data accuracy