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Upstart

Senior Software Engineer, Capital Insights

Upstart

. Design and evolve backend services, data models, and reporting APIs that power partner-facing reporting across multiple lending products .

Posted 4/20/2026full-timeRemote • 🇺🇸 United StatesSenior💰 $166,900 - $230,900 per yearWebsite

Tech Stack

Tools & technologies
AirflowAmazon RedshiftBigQueryDistributed SystemsJavaRubyRuby on RailsSparkSQL

About the role

Key responsibilities & 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

Requirements

What you’ll need
  • 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.

Benefits

Comp & perks
  • 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!).

ATS Keywords

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Hard Skills & Tools
backend servicesdata modelsreporting APIsdata pipelinesreporting systemsdata modelingdistributed systems designproduction operationsRuby on RailsSQL
Soft Skills
leadershipmentoringtroubleshootingcollaborationproblem-solving
Certifications
Bachelor’s degree in Computer ScienceBachelor’s degree in EngineeringBachelor’s degree in Mathematics