Senior Software Engineer, Pricing

Upstart

7h•$166,900 - $230,900•Remote

About The Position

Upstart is seeking a Senior Software Engineer to join their Core Pricing team. This role will focus on developing and evolving the systems that power Upstart's loan pricing. The engineer will design and implement scalable, low-latency services that convert ML underwriting outputs into accurate risk and profitability measures, contributing to the future of Upstart's pricing platform. Upstart is a digital-first company with a mission to reduce the cost and complexity of borrowing. They partner with banks and credit unions to expand access to affordable credit through AI technology. The company offers flexibility with a digital-first approach, allowing most employees to work from home, with intentional in-person connections through team events.

Requirements

5+ years of professional software development experience building scalable public or consumer-facing products.
High level of proficiency coding in production with Python, and some experience with Java or Kotlin or similar.
Proven ability to independently own and deliver complex, multi-month engineering projects in fast-paced environments.
Experience designing and building scalable APIs and microservices in a cloud-based environment (AWS or GCP).
Strong problem-solving skills with an emphasis on scalability, performance, and system reliability.
Excellent communication skills, able to explain complex technical topics to both technical and non-technical audiences.
Demonstrated experience mentoring and coaching engineers, influencing technical direction, and raising the bar for the team.
Exhibits a bias for action and comfort navigating ambiguity while driving towards impactful outcomes.

Nice To Haves

Background in finance / fintech, financial mathematics, statistics, or machine learning preferred but not required
History of thriving in diverse work environments: both collaborative and self-directed; remote and in-person.
Deep experience with distributed systems, cloud-native development, and advanced CI/CD pipelines (infrastructure-as-code focus).
Recognized as a subject matter expert or technical owner for a critical domain, with a passion for sharing knowledge and best practices.
Active contributor to the tech community through open source, technical talks, or mentorship.

Responsibilities

Lead the design and development of scalable, high-performance services that enable real-time pricing decisions across multiple products.
Collaborate with data scientists and product managers to translate business goals into robust technical solutions.
Drive architectural improvements in the pricing platform to support rapid growth, new products, and evolving modeling needs.
Mentor and coach engineers across the team, elevating best practices in system design, testing, and operational excellence.
Ensure the quality and reliability of our pricing engines through comprehensive testing, code reviews, and production monitoring.
Champion improvements in developer experience, automation, and observability to increase team velocity and platform resilience.

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!)