Software Engineer, Core Pricing
Confirmed live in the last 24 hours
Upstart
Compensation
$196,600 USD
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 data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions.
As a Software Engineer at Upstart, you will implement and maintain features that manage the pricing process for all of Upstart’s product lines, ensuring that the output of ML underwriting models are accurately converted to measures of risk and profitability. You'll also contribute to the development of our product lines through the addition of new pricing features to increase borrower conversion and profitability per loan.
How you’ll make an impact
- Work closely with cross-functional teams to understand business goals and translate them into technical requirements.
- Develop robust, high-performance services that enable real-time pricing decisions.
- Optimize and refactor code for scalability and efficiency, ensuring low-latency responses in our pricing engines.
- Maintain and evolve our API infrastructure to support the growing volume of products and integrations.
- Ensure the quality and reliability of pricing models by writing unit and integration tests, participating in code reviews, and monitoring production systems.
What we’re looking for:
- Minimum requirements:
- 3+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying a passion for user-experience, and a product-first mindset.
- High level of proficiency coding in production with Python, Kotlin, or Go or languages with similar syntax.
- Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others.
- Experience with building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP).Familiarity with data modeling, pricing algorithms, or fintech products is a plus.
- Ability to work in a collaborative, agile environment and manage competing priorities.
- Strong problem-solving skills with an emphasis on scalability and performance.
- Excellent communication skills, able to explain complex technical topics to non-technical stakeholders.
- Proven ability to influence technical and non