Senior Software Engineer, Core Pricing

The Team: 

Upstart’s Core Pricing team drives key initiatives that directly influence our revenue streams, unit economics, and product strategy. The team builds and evolves the common systems used to translate underwriting insights into accurate risk and profitability decisions for every loan we originate, while enabling a seamless borrower experience across products.

As a Senior Software Engineer on Core Pricing, you will design and build scalable, reliable systems that power pricing decisions across Upstart’s products. In close partnership with engineering, data science, product, and business teams, you will own meaningful technical projects, improve the architecture and reliability of our pricing services, and help translate complex modeling and business requirements into durable software capabilities.

How you’ll make an impact

• Design, build, and evolve high-performance, real-time pricing systems that support critical lending decisions across Upstart products.
• Own complex engineering projects from technical design through delivery, balancing scalability, reliability, correctness, and speed of iteration.
• Partner with data scientists, product managers, and business stakeholders to translate modeling and business requirements into reliable software solutions.
• Identify and implement architectural improvements that increase the flexibility, maintainability, observability, and resilience of pricing services.
• Contribute to technical standards for system design, testing, monitoring, and operational excellence within the Core Pricing team.
• Support other engineers through design reviews, technical guidance, and knowledge sharing while contributing to sound technical decisions across the team.

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or its equivalent, plus 4 years of software engineering experience.
• Experience writing production software in Python and working with Java, Kotlin, or another strongly typed programming language.
• Experience designing, building, and operating scalable APIs, distributed systems, or microservices in a cloud environment such as AWS or GCP.
• Experience owning the technical design and delivery of complex software projects from development through production.
• Experience building production systems with requirements related to scalability, latency, reliability, or correctness.

Preferred Qualifications

• Knowledge of fintech, financial systems, financial mathematics, statistics, machine learning platforms, or decisioning systems.
• Experience working on business-critical systems that affect revenue, profitability, risk, or core product outcomes.
• Experience with distributed systems, cloud-native architecture, platform engineering, continuous integration and deployment, or infrastructure as code.
• Experience partnering with data science and product teams to productionize models, decisioning logic, or experimentation capabilities.
• Ability to work effectively across engineering and non-engineering teams on technically complex initiatives.

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

Time zone requirements The team operates on the East/West coast time zones. 

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.

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