Upstart

Upstart

Principal Software Engineer, Core Pricing

United States | Remote · Principal

Sponsorship not specified$195k-$270kDetected 6 days ago
PythonJavaC++C#Distributed SystemsObject-Oriented ProgrammingAWSDockerKubernetesDevOpsgRPCKafkaMachine LearningSparkStatisticsA/B TestingCadenceCommunicationMentoring

About the role

  • Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
  • But the numbers only hint at the impact.
  • Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

Responsibilities

  • Lead the design and development of a system that continuously optimizes the matching of supply and demand for Upstart's borrower-lender marketplace.
  • Work closely with ML scientists to improve and develop new models that improve core business metrics.
  • Uncover and drive alignment across complex technical requirements, designs, trade-offs, influencing product direction
  • Lead from the front, while mentoring and developing technical leaders
  • As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that's both radically intelligent and deeply human.
  • And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you'll have the support to work in the way that works best for you.

Requirements

  • Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience
  • Proficiency in one or more object oriented programming languages like Python, Java, C#, C++
  • Strong communication skills and ability to explain complex business and technical concepts to all audiences
  • Experience working in dynamic fast paced organizations
  • Ability to balance the needs of the business with the needs of engineering improvements

Nice to have

  • High proficiency with Python
  • Experience with A/B testing, GRPC, and Kafka
  • Experience working in Fintech, Pricing, Ads, or ML.
  • Background in statistics, mathematics, or econometrics is a big plus.
  • Strong sense of ownership and accountability for the quality and timely delivery of work
  • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics
  • Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve
  • Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs

Skills

  • Individual pay is also determined by job-related skills, experience, and relevant education or training.

Compensation

  • 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.
  • United States | Remote - Anticipated Base Salary Range
  • $195,300 - $270,400 USD

Benefits

  • In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
  • At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth.
  • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly

Company info

  • The Core Pricing Team is responsible for building a best-in-class platform to accurately create loan offers for all of Upstart's loan products like Personal Loans, Auto loans and Home loans.
  • The services owned by the team are responsible for validating applicant data, interfacing with Machine Learning models to calculate borrower risk, matching applicants to lenders, and calculating interest rates, fees, etc.
  • We are developing new capabilities for Upstart's loan products and building a next generation software platform to accelerate innovation on behalf of our customers.
  • As a Principal Software Engineer, you will drive technical excellence and innovation within the Core Pricing team, with a focus on Personal and Unsecured Loans, one of Upstart's primary revenue drivers.
  • You will set the technical vision and direction for the team, working backward from our product strategy.
  • You will lead efforts to deliver software that uses machine learning to optimize pricing and continuously improve the efficiency of our borrower-lender marketplace.
  • You will have the opportunity to design and build large-scale systems, partner closely with machine learning scientists, and work in a highly collaborative, fast-paced environment.
  • We are looking for a seasoned technical leader with a passion for machine learning, finance, experimentation, and distributed systems.
  • If this sounds exciting, we would love to hear from you.
  • Define the long-term technical direction and roadmap for Pricing in alignment with Upstart's business objectives.
  • Guide the architectural evolution of Pricing engineering systems with an emphasis on scaling innovation across multiple engineering teams.
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This listing is sourced directly from Upstart's careers page and normalized into a canonical job model.