Upstart · 2 days ago
Principal Software Engineer, Capital Marketplace
United States
Full-time
Remote
Lead/Staff
$186K/yr - $258K/yr
10+ years expUpstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The Principal Software Engineer will collaborate across various teams to define the technical roadmap, guide system architecture, and drive innovation in the Capital Supply Vertical.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Help define the Capital Supply engineering’s longer term technical roadmap ensuring alignment with business objectives
Guide the architectural evolution of Capital Supply 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 Supply products
Lead from the front, while mentoring and developing technical leaders
Identify and prioritize high leverage and impactful opportunities
Qualification
Required
10+ years software engineering 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
Preferred
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
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
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
Company
Upstart
Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
1001-5000 employees
H1B Sponsorship
Upstart has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (68)
2024 (67)
2023 (85)
2022 (85)
2021 (42)
2020 (15)
Funding
Current Stage
Public CompanyTotal Funding
$3.36BKey Investors
CastlelakeProgressiveRakuten
2025-11-06Post Ipo Debt· $1.5B
2025-09-05Post Ipo Debt· $320M
2025-08-12Post Ipo Debt· $600M
Leadership Team
Dave Girouard
Founder & CEO
Paul Gu
Co-Founder
Recent News
The Motley Fool
2026-01-03
The Motley Fool
2026-01-01
2025-12-17
Company data provided by crunchbase