Principal Software Engineer

🕒 June 15

🇺🇸 United States – Remote

💵 $190.6k - $263.9k / year

⏰ Full Time

🔴 Lead

🧑‍💻 Full-stack Engineer

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 16%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🚘 Automotive

💼 Consulting

🏥 Healthcare

Automotive • Consulting • Healthcare

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company focuses on revolutionizing lending and credit risk evaluation by leveraging its AI marketplace, which allows for higher approval rates and lower loss rates for Upstart-powered banks and credit unions. Recently, Upstart has expanded its offerings to include automobile refinancing. With a mission to enable effortless credit based on true risk, Upstart is also known for its digital-first lending experience and holds a significant position in the financial services sector.

📋 Description

• Lead the architecture, design, and implementation of internal platforms, security automation systems, and workflow tooling that support Upstart Bank operations. • Establish scalable engineering patterns, technical standards, and system designs that enable long-term platform growth and maintainability. • Partner with stakeholders across risk, compliance, legal, operations, and engineering to translate complex business requirements into durable software solutions. • Design and oversee relational data models, authorization systems, integrations, and platform services that support secure and reliable operations. • Identify and mitigate technical risks, making thoughtful decisions around system architecture, platform investments, and build-versus-buy tradeoffs. • Mentor engineers through technical leadership, architectural reviews, design documentation, and engineering best practices. • Drive technical strategy for internal platforms and automation initiatives as the bank expands its operational and regulatory capabilities.

🎯 Requirements

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 8+ years of software engineering experience. • Experience designing, building, and operating large-scale production software systems and web applications. • Experience leading architecture and technical design for distributed systems, platform services, or internal software platforms. • Experience designing relational database schemas, APIs, integrations, authentication systems, and role-based access control frameworks. • Experience partnering with cross-functional stakeholders to deliver software solutions supporting operational, compliance, security, or business-critical workflows.

🏖️ 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, 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, 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!)