The Team

Upstart’s Core Pricing team drives key initiatives that directly influence Upstart’s revenue streams and product strategies. This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams. You will be joining a dynamic, cross-functional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions.

As a Senior Software Engineer on the Core Pricing team at Upstart, you will implement and maintain features that manage the pricing process for all of Upstart’s product lines, ensuring that the output of ML underwriting models are accurately converted to measures of risk and profitability. You'll also contribute to the development of our product lines through the addition of new pricing features to increase borrower conversion and profitability per loan.

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin 

Time Zone Requirements - This team operates across all US time zones.

Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

How you’ll make an impact:

• Work closely with cross-functional teams to understand business goals and translate them into technical requirements.
• Develop robust, high-performance services that enable real-time pricing decisions.
• Optimize and refactor code for scalability and efficiency, ensuring low-latency responses in our pricing engines.
• Maintain and evolve our API infrastructure to support the growing volume of products and integrations.
• Ensure the quality and reliability of pricing models by writing unit and integration tests, participating in code reviews, and monitoring production systems. 

What we’re looking for: 

• Minimum requirements:
  • 7+ years of professional software development experience
  • Strong proficiency in one or more programming languages such as Python, Java, or Go.
  • Experience with building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP).
  • Experience with communication frameworks such as gRPC and Kafka.
  • Excellent communication skills, able to explain complex technical topics to non-technical stakeholders.
• Preferred qualifications:
  • Professional experience with a Python or Java based web framework (such as FastAPI or Spring), and communication frameworks such as gRPC and Kafka.
  • Familiarity with data modeling, pricing algorithms, or fintech products
  • Background in finance / fintech, financial mathematics, statistics, or machine learning

What you'll love: 

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 
• 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Generous holiday, vacation, sick and safety leave  
• Supportive parental, family care, and military leave programs
• Annual wellness, technology & ergonomic reimbursement programs
• Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
• Catered lunches + snacks & drinks when working in offices

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