Principal Software Engineer, Core Pricing

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...

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 s...

Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience
Experience building highly scalable systems using containerization technologies like Docker and Kubernetes
Experience building flexible, extensible and consistent APIs 
Solid grasp of software development principles and best practices for creating scalable, extensible  and maintainable systems
Proficiency in one or more object oriented programming languages like Python, Java, C#, C++
Strong communication skills and ability to explain complex business and technical concepts to all audiences
Track record of successfully mentoring and developing technical leaders
Experience working in dynamic fast paced organizations
Ability to balance the needs of the business with the needs of engineering improvements
Passion for clean code and architecture and initiative to “level-up” the engineering team with better practices & design
You are able lead and resolve company-wide technical discussions and are able to collaborate and include input from cross-functional teams (security, devops, data, compliance and product)
You have a good sense for build-vs-buy and are able to prioritize the highest ROI architectural investments
High proficiency with Python
Experience with A/B testing, GRPC, and Kafka
Experience working in Fintech, Pricing, Ads, or ML.
Background in statistics, mathematics, or econometrics is a big plus. 
Experience designing and building microservice-based architectures
Experience developing large scale distributed systems in AWS
Strong sense of ownership and accountability for the quality and timely delivery of work
Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics
Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve
Ability to influence and lead without direct authority
Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs
Experience working at companies that have gone through periods of rapid business or organizational growth