Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. They are seeking a Senior Software Engineer to join their Core Pricing team, responsible for developing scalable systems that calculate risk and profitability for loans, while collaborating with cross-functional teams to enhance the borrower experience.
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
Skills
- 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
- 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
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!)
Company Overview
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