Senior Software Engineer, Machine Learning – Simulations Platform

🕒 December 20, 2025

🇺🇸 United States – Remote

💵 $163.6k - $226.4k / year

⏰ Full Time

🟠 Senior

🤖 Machine Learning Engineer

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

📋 Description

• Build, maintain, and optimize Upstart’s next-generation machine learning and simulation platform, enabling increased scale, performance, and confidence in decisioning • Develop high-quality software applications that enable machine learning models to be applied to the ever-evolving needs of the business • Enable the modernization of our serving infrastructure, reducing inference latency to just a few seconds for our most complex models • Design and contribute to our simulation systems to more accurately reflect production environments, reducing simulation cost and enabling broader usage across teams • Communicate closely with cross-functional partners from ML, Engineering, Product, and Data Engineering teams, keeping all stakeholders informed • Mentor engineers across the team, sharing expertise on distributed systems, MLOps, and scalable architecture

🎯 Requirements

• 6+ years of software engineering experience including several building and contributing to in-house Machine Learning Platforms • Experience building and maintaining backend software services and APIs • Proficiency with some or many of the following: Python, Kotlin, Databricks, and AWS • Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others. • Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders • Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback • Familiarity with model serving technologies like Ray, simulation platforms, experimentation frameworks • Proficiency with Flask, FastAPI, Metaflow, MLflow, gRPC, Kafka, Spark/PySpark, ETL/ELT, Redshift (or similar) • Excellent quantitative reasoning skills with interest in working at the intersection of engineering and machine learning • Strong sense of ownership and accountability for the quality and timely delivery of work • Proven ability to effectively analyze and solve complex problems • Excellent written and verbal communication skills with stakeholders, peers and product owners • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamic

🏖️ Benefits

• 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