Senior Software Engineer, Core Pricing

Upstart

3d•$166,900 - $230,900•Remote

About The Position

Upstart's Core Pricing team drives key initiatives that directly influence our revenue streams, unit economics, and product strategy. The team builds and evolves the common systems used to translate underwriting insights into accurate risk and profitability decisions for every loan we originate, while enabling a seamless borrower experience across products. As a Senior Software Engineer on Core Pricing, you will design and build scalable, reliable systems that power pricing decisions across Upstart’s products. In close partnership with engineering, data science, product, and business teams, you will own meaningful technical projects, improve the architecture and reliability of our pricing services, and help translate complex modeling and business requirements into durable software capabilities.

Requirements

Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or its equivalent, plus 4 years of software engineering experience.
Experience writing production software in Python and working with Java, Kotlin, or another strongly typed programming language.
Experience designing, building, and operating scalable APIs, distributed systems, or microservices in a cloud environment such as AWS or GCP.
Experience owning the technical design and delivery of complex software projects from development through production.
Experience building production systems with requirements related to scalability, latency, reliability, or correctness.

Nice To Haves

Knowledge of fintech, financial systems, financial mathematics, statistics, machine learning platforms, or decisioning systems.
Experience working on business-critical systems that affect revenue, profitability, risk, or core product outcomes.
Experience with distributed systems, cloud-native architecture, platform engineering, continuous integration and deployment, or infrastructure as code.
Experience partnering with data science and product teams to productionize models, decisioning logic, or experimentation capabilities.
Ability to work effectively across engineering and non-engineering teams on technically complex initiatives.

Responsibilities

Design, build, and evolve high-performance, real-time pricing systems that support critical lending decisions across Upstart products.
Own complex engineering projects from technical design through delivery, balancing scalability, reliability, correctness, and speed of iteration.
Partner with data scientists, product managers, and business stakeholders to translate modeling and business requirements into reliable software solutions.
Identify and implement architectural improvements that increase the flexibility, maintainability, observability, and resilience of pricing services.
Contribute to technical standards for system design, testing, monitoring, and operational excellence within the Core Pricing team.
Support other engineers through design reviews, technical guidance, and knowledge sharing while contributing to sound technical decisions across the team.

Benefits

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