[Remote] Principal Software Engineer, Capital Marketplace

Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The Principal Engineer will collaborate with various teams to define the technical roadmap and drive impactful initiatives within the Capital Marketplace team.

Responsibilities

• Help define the Capital Marketplace engineering’s longer term technical roadmap ensuring alignment with business objectives
• Guide the architectural evolution of Capital Marketplace 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 Marketplace products
• Lead from the front, while mentoring and developing technical leaders
• Identify and prioritize high leverage and impactful opportunities

Skills

• Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent)
• 8 years of 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
• 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

• Target bonuses
• Equity compensation
• Generous benefits packages (including medical, dental, vision, and 401k)
• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• 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 (US Only)
• 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, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)

Company Overview

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