Senior Software Engineer - Machine Learning Platform

Upstart

3d•$166,900 - $230,000•Remote

About The Position

As the leading AI lending marketplace, Upstart partners with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. The Machine Learning and Simulations Platform (MLSP) team builds and operates the core infrastructure that powers ML model training, feature engineering, inference, and marketplace simulation at Upstart. Every underwriting, fraud, conversion, and verification model runs on this platform. We own the full production path: the data and features that feed a model, the infrastructure that serves it at decision time, the tooling that deploys it, and the simulation systems that predict business impact before a change goes live. We are reimagining that platform to keep pace with our ML teams. That work spans low latency and GPU model serving, self-service model deployment, a feature platform that gives ML one place to define and serve production features, and high fidelity marketplace simulation. The team partners closely with ML, Engineering, Product, Data Platform. As a Senior Software Engineer on the ML and Simulations Platform team at Upstart, you will be responsible for building an MLOps platform to support machine learning model inference, process automation, model deployment, and observability. Machine Learning is critical to Upstart’s core business, and our greatest competitive advantage lies in the fact that we’re able to innovate on our AI engine quickly. You will also help build a marketplace simulation platform to support rapid innovation across ML and Finance teams.

Requirements

6+ years of software engineering experience.
Experience building and maintaining backend software services and APIs.
Experience with distributed systems or large scale data processing, using Spark, Databricks, Ray, or an equivalent.
Experience with an ML platform or the ML production path, such as training pipelines, model serving, feature pipelines, or a training data platform.
Proficiency with some or many of the following: Python, Kotlin, Databricks, and AWS.
Exhibits a growth mindset. You pick up new technologies that fit the task, and you learn from others.
Ability to quickly comprehend complex requirements from ML, product, or engineering leadership, and translate them for both technical and non-technical partners.

Nice To Haves

Skill with Metaflow, MLflow, gRPC, Spark/PySpark, dbt, Ray, GPU
Knowledge of simulation, experimentation, or backtesting systems.
Experience building self-serve or configuration driven tooling for internal users.
Excellent quantitative reasoning skills with interest in working at the intersection of engineering and machine learning.
Strong sense of ownership and accountability for the quality and timely delivery of work.
Excellent written and verbal communication skills with partners, peers, and product owners.
Ability to thrive in self-directed work and in collaborative settings, contributing positively to team dynamics.

Responsibilities

Build, maintain, and optimize Upstart’s next-generation machine learning and simulation platform, enabling increased scale, performance, and confidence in decisioning.
Develop high-quality software applications that enable machine learning models to be applied to the ever-evolving needs of the business
Build self-service tooling so ML teams can register features and deploy models independently, and reduce the manual work the platform team absorbs today.
Deliver the data and feature infrastructure behind every model, including feature definition, storage, serving, and offline to online parity.
Design and contribute to our simulation systems to more accurately reflect production environments, reducing simulation cost and enabling broader usage across teams.
Communicate closely with cross-functional partners from ML, Engineering, Product, and Data Engineering teams, keeping all stakeholders informed
Mentor engineers across the team, sharing expertise on distributed systems,MLOps, and scalable architecture.

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 (opening Summer 2026!)