Upstart

Upstart

Senior Software Engineer, Marketplace Optimization

United States | Remote · Senior

Sponsorship not specified$167k-$231kDetected 11 days ago
PythonRubyKotlinRailsDistributed SystemsBackend DevelopmentCode ReviewAWSCloud PlatformsKafkaMachine LearningSparkData ScienceAI OrchestrationA/B TestingCadence

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

  • Design, build, and operate highly available backend services that power Upstart's real-time lending marketplace.
  • Develop scalable systems that enable rapid experimentation while maintaining the reliability of business-critical production services.
  • 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.
  • Monetization builds the marketplace services that optimize marketplace economics through origination fees, offer construction, and experimentation capabilities that allow the business to rapidly evolve monetization strategies.
  • Matching & Offer Selection builds the real-time decision engine that intelligently matches borrowers with capital providers while balancing borrower outcomes, investor commitments, marketplace efficiency, and business objectives.

Requirements

  • Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience)
  • Experience operating business-critical production services with an emphasis on reliability, monitoring, testing, and operational excellence
  • Experience collaborating across engineering, product, and business stakeholders

Nice to have

  • Experience with event-driven architectures, Kafka, workflow orchestration, or real-time data processing
  • Experience improving platform scalability and evolving distributed system architecture
  • Interest in solving complex optimization problems that combine technical and business tradeoffs
  • Time zone requirements The team operates on the East/West coast time zones.
  • Experience with cloud platforms (AWS preferred) and modern cloud-native application development

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
  • $166,900 - $230,900 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.
  • Partner with Product, Machine Learning, Capital Markets, and Analytics to translate complex business problems into elegant technical solutions.
  • Build flexible platform capabilities that enable new marketplace optimization and monetization strategies.

Company info

  • Marketplace Optimization builds the intelligent systems that power Upstart's AI lending marketplace.
  • Our teams make real-time decisions about how borrowers are matched with capital, how offers are constructed, and how the marketplace evolves through experimentation.
  • We solve complex optimization problems at scale, balancing borrower experience, investor objectives, profitability, and operational efficiency while operating some of the most critical services at Upstart.
  • Within Marketplace Optimization, engineers join one of two closely related teams:
  • As a Senior Software Engineer, you'll partner closely with Product, Machine Learning, Pricing, Capital Markets, Lending Partnerships, and Analytics to build highly reliable distributed systems that power millions of lending decisions.
  • You'll work on systems at the heart of Upstart's lending marketplace.
  • The software your team builds determines how borrowers are matched with capital, how offers are constructed, and how marketplace decisions are executed in real time.
  • It's an opportunity to solve challenging distributed systems problems while building software with direct, measurable impact on borrowers, investors, and the business.
  • As a digital first company, the majority of your work can be accomplished remotely.
  • Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers.
  • At Upstart, your base pay is one part of your total compensation package.
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This listing is sourced directly from Upstart's careers page and normalized into a canonical job model.