Senior Software Engineer, Pricing

Role Description

As a Senior Software Engineer on Core Pricing, you’ll play a critical role in evolving the systems that power Upstart’s loan pricing across multiple product lines. You’ll design and implement highly scalable, low-latency services that convert ML underwriting outputs into accurate risk and profitability measures, while helping define the future of Upstart’s pricing platform.

How You’ll Make an Impact

• 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.

Qualifications

• 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.

Preferred Qualifications

• 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.

Requirements

• This role is available in the following locations: Remote US.
• This team operates across all U.S. time zones.
• This team has regular on-site collaboration sessions, occurring 3 days per quarter at an Upstart office. Upstart will cover all travel-related expenses.

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.
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work.
• 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!).