Principal Software Engineer, Core Pricing

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

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. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. 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.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. 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, you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team:

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.

How you’ll make an impact

• Define the long-term technical direction and roadmap for Pricing in alignment with Upstart’s business objectives.

• 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.

• Guide the architectural evolution of Pricing engineering systems with an emphasis on scaling innovation across multiple engineering teams.

• Uncover and drive alignment across complex technical requirements, designs, trade-offs, influencing product direction

• Proactively evaluate, prototype, and roll out new technologies/frameworks to help cultivate a culture of innovation

• Lead from the front, while mentoring and developing technical leaders

Minimum Qualifications

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience

• Experience building highly scalable systems using containerization technologies like Docker and Kubernetes

• Experience building flexible, extensible and consistent APIs

• Solid grasp of software development principles and best practices for creating scalable, extensible and maintainable systems

• 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

• Track record of successfully mentoring and developing technical leaders

• Experience working in dynamic fast paced organizations

• Ability to balance the needs of the business with the needs of engineering improvements

• Passion for clean code and architecture and initiative to “level-up” the engineering team with better practices & design

• You are able lead and resolve company-wide technical discussions and are able to collaborate and include input from cross-functional teams (security, devops, data, compliance and product)

• You have a good sense for build-vs-buy and are able to prioritize the highest ROI architectural investments

Preferred Qualifications

• 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.

• Experience designing and building microservice-based architectures

• Experience developing large scale distributed systems in AWS

• 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

• Ability to influence and lead without direct authority

• Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs

• Experience working at companies that have gone through periods of rapid business or organizational growth

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

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. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range

$195,300—$270,400 USD

What you'll love

At Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:

• 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

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy