Upstart

Financial Services

SeniorSoftwareEngineer,Pricing

$165–235k ~AI est. United States Remote Friendly
Market Sentiment
HIGH DEMAND

Neural analysis suggests this role is
optimal for Senior candidates.

The Brief

“Senior Software Engineer, Pricing at Upstart. Skills: Pricing platform, Scalable services, ML underwriting. Lead design and development. Develop common systems”

What You'll Achieve.

Radically reduce cost; Reduce complexity of borrowing; Expand access to credit; Power smarter decisions; Power fairer decisions

Industry & Context.

Financial Services
Problems you'll solve

Problem-solving; Scalability; Performance; System reliability

Eligibility Requirements

3 days per quarter onsite, Operates across US time zones

What They're Looking For.

Must Have

5+ years software development experience, Proficient coding in Python, Experience with Java or Kotlin, Own and deliver complex projects, Design and build scalable APIs, Experience with microservices, Cloud-based environment experience, Problem-solving skills, Explain complex technical topics, Experience mentoring engineers, Influence technical direction, Bias for action, Comfort navigating ambiguity

Nice to Have

Background in finance, Background in fintech, Background in financial mathematics, Background in statistics, Background in machine learning, Thriving in diverse work environments, Deep experience with distributed systems, Deep experience with cloud-native development, Deep experience with advanced CI/CD pipelines, Subject matter expert, Technical owner for critical domain, Passion for sharing knowledge

What You'll Do.

Lead design and development

Develop common systems

Calculate risk and profitability

Support product development teams

Design scalable services

Implement scalable services

Define pricing platform future

Translate business goals

Drive architectural improvements

Champion improvements

Increase team velocity

Increase platform resilience

How You'll Work.

Team & Collaboration

Cross-functional team; Data scientists; Product managers; Business stakeholders

Communication Scope

Explain complex topics

Process & Methodology

Agile

Full Job Description

About Upstart 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 1,800 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 primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart’s Core Pricing team drives key initiatives that directly influence Upstart’s revenue streams and product strategies. This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams. You will be joining a dynamic, cross-functional team that works closely with

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