Principal Software Engineer, Pricing Platform

🕒 5 dias atrás

🇺🇸 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

🚘 Automotivo

💼 Consultoria

🏥 Saúde

Automotive • Consulting • Healthcare

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

• Define the cross-company technical vision and roadmap for Upstart's pricing platform • Lead architectural evolution toward modular, reusable platform capabilities across loan products • Design and improve Tier 0/Tier 1 services where latency, throughput, availability, and financial correctness are critical • Partner with machine-learning scientists and engineers to create reliable boundaries between models and production pricing systems • Balance engineering, machine learning, and product needs across organizations • Clarify service, API, configuration, and ownership boundaries across Pricing, Personal Loans, Auto, HELOC, and adjacent platform teams • Evaluate runtime and language choices, including Python, Kotlin, Rust, and Go • Reduce operational burden through testing, observability, failure isolation, incident learning, and architecture limiting blast radius • Lead technical discussions and build alignment across Engineering, ML, Product, Data, Security, Compliance, and business partners • Participate in design reviews, prototypes, and critical code while mentoring senior technical leaders • Prioritize technical-debt and platform investments based on business value, risk reduction, and long-term return • Develop scalable, low-latency, highly reliable services that convert ML underwriting outputs into pricing decisions for multiple product lines

🎯 Requisitos

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, plus 8 or more years of software engineering experience • Track record of setting architecture and technical direction for large, complex distributed systems used across multiple teams or products • Deep backend engineering experience and production proficiency in at least one of Python, Kotlin, or Java • Willingness and ability to work effectively in a predominantly Python environment • Experience designing or operating Tier 0/Tier 1 services with demanding latency, throughput, availability, and correctness requirements • Strong understanding of APIs, service-oriented or modular architectures, containerization, cloud infrastructure such as AWS, and maintainable software design • Hands-on technical judgment spanning strategy, architecture, concrete designs, prototypes, debugging, and critical implementation decisions • Ability to explain complex systems, constraints, and trade-offs to technical and nontechnical audiences • Demonstrated success leading cross-organization technical decisions and influencing without direct authority • Experience mentoring senior engineers and expanding the effectiveness and scope of other technical leaders • Strong product and business judgment, balancing delivery, reliability, technical debt, risk, and long-term investment • Preferred: experience with calculation-heavy, real-time decisioning, pricing, marketplace, risk, fraud, payments, trading, auction, or advertising systems • Preferred: experience partnering with machine-learning teams or productionizing models at scale • Preferred: experience modernizing mature or tightly coupled platforms through staged migration • Preferred: experience with AWS, Kubernetes, microservices, event-driven systems, and production observability • Preferred: additional production experience with Rust or another performance-oriented language • Preferred: background or applied exposure in statistics, mathematics, economics, econometrics, financial systems, or other quantitative domains • Preferred: experience in a rapidly scaling or changing organization • For roles based in Canada, employees must be based outside Quebec because Upstart is not currently able to hire in Quebec

🏖️ Benefícios

• Competitive compensation, including bonus opportunities and annual equity grants that vest quarterly • 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Medical, dental, vision, and wellness resources • Supplemental health coverage for Canada • Health Savings Account contributions for eligible plans (US only) • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Fertility, parenthood, and caregiving benefits • Employee Assistance Program (EAP) with mental health support and life-centered resources • Financial planning tools and financial concierge service (US only) • Annual wellness allowance • Annual productivity allowance for relevant tools and resources • Team events, all-company updates, and employee resource groups (ERGs) • Catered lunches and fully stocked micro-kitchens at offices in the Bay Area, Austin, Columbus, and New York City