Senior Software Engineer, Upstart

• 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

Desirable

• 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
• 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