Principal Software Engineer

Ohiox; Columbus, San Mateo, Austin (OH, CA, TX); On-site; USD 186,000 - 258,000; Full time

Job summary

An innovative company is seeking a Principal Engineer to lead the Capital Supply team in enhancing AI-driven lending operations. This role involves collaborating across multiple teams, defining technical roadmaps, and mentoring future leaders. With a focus on impactful engineering and alignment with business goals, you will drive the evolution of systems that empower lending partners and investors. Join a dynamic environment that values creativity and collaboration, where your contributions will significantly influence the future of credit access in a digital-first landscape.

Benefits

Competitive Compensation

Comprehensive Medical Coverage

401(k) with Company Match

Employee Stock Purchase Plan

Life and Disability Insurance

Generous Leave Policies

Annual Wellness Reimbursement

Catered Lunches and Snacks

Qualifications

• 10+ years of software engineering experience required.
• Strong fundamentals in building large-scale consumer products.
• Experience leading cross-team initiatives in a growth environment.

Responsibilities

• Define technical roadmap aligning with business objectives.
• Guide architectural evolution of Capital Supply systems.
• Mentor and develop technical leaders within the team.

Skills

Software Engineering

Technical Leadership

Cross-team Collaboration

Architectural Design

Analytical Mindset

Education

Bachelor's Degree in Computer Science or related field

Tools

Machine Learning

Data Engineering

Job description

About Upstart

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.

Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!

The Team

The Capital Supply Vertical is the fuel that powers 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.

As a Principal Engineer at Upstart on the Capital Supply team, you will collaborate with all parts of the Upstart business and engineering, including Machine Learning, Data Engineering, Product Management, Product Design, Platform, Servicing, Lending Partnerships, and Auto. The role will report directly to a head of Capital Market Engineering and work closely with all five of the Capital Supply product engineering teams. Your goal is to autonomously identify and prioritize high-impact work that will ultimately make the Capital Supply Vertical successful.

How you’ll make an impact:

• 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

What we’re looking for:

• Minimum requirements:
• 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 qualifications:
  • 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

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 - 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 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.

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

#LI-REMOTE

#LI-MidSenior

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

$186,100—$257,500 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [e-mail]

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