Principal Software Engineer, Capital Marketplace

🕒 April 1

🇺🇸 United States – Remote

💵 $186.1k - $257.5k / year

⏰ Full Time

🔴 Lead

🧑‍💻 Full-stack Engineer

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

📋 Description

• Help define the Capital Marketplace engineering’s longer term technical roadmap ensuring alignment with business objectives • Guide the architectural evolution of Capital Marketplace systems with an emphasis on systems shared across the Capital Market engineering teams • Uncover and drive alignment across complex technical requirements, designs, trade-offs, influencing product direction • Proactively evaluate, prototype, and roll out new technologies/frameworks to help cultivate a culture of innovation • Partner with product leaders to shape product direction and drive business impact across all Capital Marketplace products • Lead from the front, while mentoring and developing technical leaders • Identify and prioritize high leverage and impactful opportunities

🎯 Requirements

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience • Strong technical and software engineering fundamentals including a demonstrated ability to build and own large-scale, highly available consumer products • Ability to explain complex business and technical concepts to all audiences • Experience leading large cross-team initiatives at companies that have gone through periods of rapid business or organizational growth • Track record of successfully mentoring and developing technical leaders. • Has defined and executed on longer term (multi-quarter +) technological visions or strategies for multi-team organizations • Has driven initiatives of significant depth or breadth with demonstrated results in engineering process, technology platforms, or overall productivity of others • Ability to identify gaps in organizational knowledge, tools, and practices and produce and execute on plans to address those gaps • Ability to influence and lead without direct authority • Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs.

🏖️ Benefits

• 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, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).