Senior Software Engineer, White Label Platform

The Team:

The Capital Marketplace vertical is the fuel that powers Upstart’s AI based lending operations. Spread across multiple dynamic high performance teams;  Capital Marketplace is in charge of onboarding and maintaining Capital Marketplace relations with both our Lending Partners and Investors. The White Label Platform team owns the end to end white label offering at Upstart. The team’s mission  is to make White Label offering increasingly configuration-driven and reusable, where onboarding new partners becomes more about enabling capabilities than building net-new flows every time. This team is one of the pillars of the Capital Marketplace organization which is a B2B side of the business with direct impact to revenue.

As the Senior Software Engineer at Upstart, you will contribute to shape up the platform, collaborate with engineers and cross-functional teams such as Product, Pricing, 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.

How you’ll make an impact

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

Minimum Qualifications

5+ years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs

Design, build, and maintain scalable APIs, services, and UIs that enable partners to access performance data, operational workflows, and program controls.

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

Preferred Qualifications

Experience with building robust platform

Experience in capital markets, financial services, or a related industry, with a strong understanding of market structures and regulations

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 Ruby on Rails, Kotlin, or React

Position location This role is available in the following locations: Remote

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-Associate

#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