Key skills
JavaRubySQLAIAnalyticsLookerSnowflakeBigQueryRedshiftDatabricksSparkAirflowdbtRuby on RailsRails
About this role
Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. They are seeking a Senior Software Engineer for their Capital Insights team to build and maintain backend services, data pipelines, and reporting infrastructure that support capital partners with accurate and timely data.
Responsibilities:
- 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:
- 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
- Experience in fintech, lending, capital markets, or financial reporting environments with high data accuracy requirements
- Knowledge of modern data platforms and analytics tools (e.g., Databricks, ClickHouse, Looker, dbt)
- Experience designing and maintaining external APIs (REST) or file-based data integrations for enterprise partners
- Ability to improve system reliability through observability, automation, and incident reduction practices
- Ability to collaborate across technical and non-technical teams to define requirements and deliver solutions