**Who this is for** This role is for a seasoned backend engineer interested in fintech who wants to own the reporting and data infrastructure that supports inst
Work type: remote
Location: United States | Remote
Salary: $166,900 – $230,900/yr
Type: Full-time
**Who this is for** This role is for a seasoned backend engineer interested in fintech who wants to own the reporting and data infrastructure that supports institutional partners and complex lending marketplace operations. **Key highlights** You will lead the design and evolution of backend services and data pipelines while ensuring high availability for critical financial reporting. This position offers the opportunity to mentor others and drive platform-level improvements within a regulated, AI-driven lending environment. **You might be a good fit if you...** - Possess 4+ years of experience building and operating robust backend systems. - Are proficient in modern backend stacks (e.g., Ruby on Rails, Java) and relational databases. - Have hands-on experience managing data pipelines and analytical stores like Airflow, Spark, or dbt. - Enjoy taking end-to-end ownership of systems, from initial design to production maintenance.
About Upstart
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.
The Team:
Upstart’s Capital Insights team sits within the Capital Platform pillar and is responsible for partner-facing reporting that enables lenders and institutional investors to understand and manage their portfolios. The team builds and maintains APIs, data pipelines, data models, and reporting systems that power loan funding, loan sales, and financial reporting across products.
As a Senior Software Engineer, you will serve as a key individual contributor responsible for backend services, data pipelines, and reporting infrastructure that ensure capital partners receive accurate, timely, and reliable data. Your work directly supports how capital flows through Upstart’s marketplace and helps scale the platform to support future growth.
How you’ll make an impact:
Time zone requirements The team operates on the East/West coast time zones.
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.
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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
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: