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Upstart Logo Upstart · IT - Software Development

Senior Software Engineer, Capital Marketplace

United States, Remote 163600.00 - 226400.00 USD / Year · Job Posted January 24, 2026
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Job Description

We are seeking a Senior Software Engineer to join our Capital Marketplace engineering teams. The Capital Marketplace Vertical is the fuel that power Upstart’s AI based lending operations. Spread across five dynamic high performance teams; Capital Marketplace is in charge of onboarding and maintaining Capital Marketplace relations with both our Lending Partners and Investors. We provide both our internal and external business partners with reports, forecasting, financial reporting and help optimize the connection between our customer base and the funding suppliers. You’ll collaborate with engineers and cross-functional teams such as Product, Analytics, Lending Partnerships, and Capital Marketplace on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems.

Job Responsibility

  • 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 and build solutions that improve business workflows
  • Develop scalable, reliable systems that meet the needs of both internal users and external investors
  • Ensure security, performance, and availability of our critical platforms
  • Participate in code reviews, testing, and the deployment of high-quality code

Requirements

  • 5+ years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs
  • Experience with some or many of the following: 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, with the ability to work effectively with cross-functional teams

Nice to have

  • Experience working with large datasets, data modeling, and building robust data pipelines
  • Experience with data tools like ClickHouse, Databricks, dbt, Redshift, and Looker

What we offer

  • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
  • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
  • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
  • Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
  • Health Savings Account contributions from Upstart for eligible plans
  • Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
  • Paid time off, sick and safe time, and company holidays
  • Paid family and parental leave to support caregiving and major life moments
  • Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
  • Employee Assistance Program (EAP) offering mental health support and life-centered resources
  • Financial wellness resources, including access to financial planning tools and a financial concierge service
  • Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
  • Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
  • Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
  • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices
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