Senior Software Engineer - Capital Insights
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 requirements
Knowledge of modern data platforms and analytics tools (e.g., Databricks, ClickHouse, Looker, dbt)
Experience designing and maintaining external APIs (REST) or file-based data integrations for enterprise partners
Ability to improve system reliability through observability, automation, and incident reduction practices
Ability to collaborate across technical and non-technical teams to define requirements and deliver solutions
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
#LI-REMOTE
#LI-MidSenior
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
$166,900—$230,900 USD
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).
Canada | Remote - Anticipated Base Salary Range
$153,000—$190,000 USD