Principal Software Engineer, Pricing Platform

🔥 16 hours ago

🇺🇸 United States – Remote

💵 $195.3k - $270.4k / year

⏰ Full Time

🔴 Lead

🧑‍💻 Full-stack Engineer

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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

• 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

🎯 Requirements

• 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

🏖️ Benefits

• 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