Explore lending solutions through Upstart, including personal loans, debt consolidation, short-term relief, Cash Line, and HELOC. Check your rate today! Backed by Khosla, Kleiner Perkins and NEA.
About the role
As a Principal Software Engineer on Core Pricing, you will provide technical leadership that spans engineering, machine learning, and product organizations — not just the Pricing team. You will shape the long-term architecture, strategy, and operating model for pricing systems that serve multiple product lines and stakeholders across the company.
What they're looking for
- 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
- A 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 (e.g., AWS), and maintainable software design
- Hands-on technical judgment: you can move from strategy and architecture into concrete designs, prototypes, debugging, and critical implementation decisions
More about this role
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work...
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