Senior Software Engineer, Capital Supply

Title: Senior Software Engineer, Capital Supply

Location: San Mateo United States

Job Description:

The Team

We are seeking a Senior Software Engineer to join our Capital Supply engineering teams. The Capital Supply Vertical is the fuel that power Upstart's AI based lending operations. Spread across five dynamic high performance teams; Capital Supply is in charge of onboarding and maintaining Capital Supply relations with both our Lending Partners and Investors. We provide both our internal and external business partners with reports, forecasting, financial reporting and help optimize the connection between our customer base and the funding suppliers.

You'll collaborate with engineers and cross-functional teams such as Product, Analytics, Lending Partnerships, and Capital Supply on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems.

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin

Time Zone Requirements - This team operates across all U.S. time zones.

Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

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

What we're looking for:

• Minimum requirements:

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

• 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 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

What you'll love:

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
• 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Generous holiday, vacation, sick and safety leave
• Supportive parental, family care, and military leave programs
• Annual wellness, technology & ergonomic reimbursement programs
• Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
• Catered lunches + snacks & drinks when working in offices

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