Principal Software Engineer, Cash Line

🕒 Abril 13

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $195.300 - $270.400 / ano

⏰ Tempo Integral

🔴 Especialista

🧑‍💻 Engenheiro Full-stack

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Upstart

SiteLinkedInTodas as Vagas

1001 - 5000 funcionários

A Upstart é um dos principais marketplaces de empréstimos com IA, em parceria com bancos e cooperativas de crédito para expandir o acesso a crédito acessível. Ao nos tornarmos uma empresa de capital aberto, estamos agora prontos para alavancar nossa expertise no domínio e revolucionar todos os aspectos da concessão de empréstimos e avaliação de risco de crédito. Recentemente ampliamos nossas ofertas para incluir refinanciamento de automóveis e planejamos atuar em mais verticais à medida que o negócio cresce. Ao utilizar o marketplace de IA da Upstart, bancos e cooperativas de crédito que utilizam a Upstart podem ter taxas de aprovação mais altas e taxas de perda mais baixas, enquanto simultaneamente oferecem a experiência de empréstimo excepcional e digital-first que seus clientes exigem. O marketplace patenteado da Upstart é o primeiro a receber uma carta de não ação do Bureau de Proteção Financeira ao Consumidor relacionada a empréstimos justos. A Upstart não só apoia uma grande força de trabalho remota, mas também possui escritórios em San Mateo, CA; Columbus, OH; e Austin, TX. A maior parte dos que se juntam à Upstart o fazem porque se identificam com nossa missão de permitir acesso a crédito sem esforço baseado no risco real. Se você se sente energizado pelo impacto que pode causar na Upstart, adoraríamos ouvir de você!

Descrição

• Design and build the core backend systems that power a new revolving credit product used directly by consumers. • Own distributed services that support underwriting, pricing, line management, transactions, and servicing with high reliability and observability. • Translate complex product and economic requirements into scalable technical systems, balancing speed, risk, and long term maintainability. • Partner closely with machine learning engineers and data teams to productionize models and integrate AI driven decisioning into real time user flows. • Collaborate with mobile engineers to deliver seamless consumer facing features, ensuring backend systems are optimized for real world usage patterns. • Work across the full lifecycle of credit, from consumer acquisition and onboarding through funding, servicing, and capital markets distribution. • Shape foundational architectural decisions in a greenfield environment, while thoughtfully integrating with systems from Upstart’s mature lending platform. • Contribute to a Gen AI first product strategy, helping define how generative AI enhances user experience, internal tooling, automation, and operational workflows. • Raise the bar for engineering quality through strong API design, data modeling, observability, testing, and operational rigor.

🎯 Requisitos

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience • Strong experience designing distributed systems and event driven architectures, including real world handling of retries, idempotency, fault tolerance, and failure modes. • Proficiency in an object oriented language such as Python, Java, Kotlin, C#, or Ruby, and experience building and maintaining APIs and service oriented architectures. • Experience shipping consumer facing features end to end, with a strong understanding of latency, reliability, and user impact. • Ability to work effectively in ambiguous, zero to one environments where requirements evolve quickly. • Strong cross functional collaboration skills and comfort working closely with product, finance, compliance, and other business stakeholders. • Active use of AI tools in engineering, with a forward-looking perspective on how AI is reshaping software development. • Exceptional communication and collaboration skills; able to align teams and advocate for high-impact solutions across functions.

🏖️ Benefícios

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees • Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose • Health Savings Account contributions from Upstart for eligible plans • Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage • Paid time off, sick and safe time, and company holidays • Paid family and parental leave to support caregiving and major life moments • Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving • 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 • 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 and onsites, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).