Software Engineer, Upstart
Pricing
$142-196.6k
+ Equity + Bonus + Employee Stock Purchase Plan (ESPP)
More information about location
AI lending marketplace
Open for applications
AI lending marketplace
1001+ employees
Open for applications
$142-196.6k
+ Equity + Bonus + Employee Stock Purchase Plan (ESPP)
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 3+ years of professional software development experience building scalable public or consumer-facing products
- High level of proficiency coding in production with Python, and some experience with Java or Kotlin or similiar
- Proven ability to independently own and deliver complex, multi-month engineering projects in fast-paced environments
- Experience designing and building scalable APIs and microservices in a cloud-based environment (AWS or GCP)
- Strong problem-solving skills with an emphasis on scalability, performance, and system reliability
- Excellent communication skills, able to explain complex technical topics to both technical and non-technical audiences
- Demonstrated experience mentoring and coaching engineers, influencing technical direction, and raising the bar for the team
- Exhibits a bias for action and comfort navigating ambiguity while driving towards impactful outcomes
Desirable
- Background in finance / fintech, financial mathematics, statistics, or machine learning preferred but not required
- History of thriving in diverse work environments: both collaborative and self-directed; remote and in-person
- Deep experience with distributed systems, cloud-native development, and advanced CI/CD pipelines (infrastructure-as-code focus)
- Recognized as a subject matter expert or technical owner for a critical domain, with a passion for sharing knowledge and best practices
- Active contributor to the tech community through open source, technical talks, or mentorship
What the job involves
- As a Senior Software Engineer on Core Pricing, you’ll play a critical role in evolving the systems that power Upstart’s loan pricing across multiple product lines
- You’ll design and implement highly scalable, low-latency services that convert ML underwriting outputs into accurate risk and profitability measures, while helping define the future of Upstart’s pricing platform
- Lead the design and development of scalable, high-performance services that enable real-time pricing decisions across multiple products
- Collaborate with data scientists and product managers to translate business goals into robust technical solutions
- Drive architectural improvements in the pricing platform to support rapid growth, new products, and evolving modeling needs
- Mentor and coach engineers across the team, elevating best practices in system design, testing, and operational excellence
- Ensure the quality and reliability of our pricing engines through comprehensive testing, code reviews, and production monitoring
- Champion improvements in developer experience, automation, and observability to increase team velocity and platform resilience
Our take
Based in San Mateo, California, Upstart is piositioning itself as a leading AI lending marketplace, connecting millions of consumers with more than 100 banks and credit unions. In a market where credit access can be limited by traditional scoring methods, Upstart aims to make lending fairer and more accessible by using technology to better understand each borrowers true potential.
Upstart builds AI and cloud-based tools that help lenders approve more borrowers at lower rates. Its models analyze thousands of variables (not just credit scores) to predict creditworthiness more accurately. And through its platform, consumers can access personal, auto, and home-equity loans, as well as smaller "relief" loans, all through a seamless digital experience.
So far, its success is reflected in its high loan automation rate (over 90% of loans are fully processed without human intervention) and the billions in loan originations it has facilitated. The company continues to refine its AI models and expand its offerings, and in 2026 earned provisional approval to establish "Upstart Bank" as a bank in the US.
Freddie
Company Specialist at Welcome to the Jungle
Insights
-16% employee growth in 12 months
Company
Funding (last 2 of 6 rounds)
Apr 2019
$50m
SERIES D
Mar 2017
$32.5m
SERIES D
Total funding: $135.7m
Company benefits
- Comprehensive health plans
- 401k Plan
- Annual wellness reimbursement
- Disability insurance
- Generous vacation policy
- Flexible time off
- Parental leave
- Family forming benefits through Carrot
- Technology equipment budget
- Personal development budget
- Various clubs and extracurricular activities
- Catered lunches
- Fully stocked micro-kitchen
Company HQ
South San Mateo, San Mateo, CA
Leadership
David Girouard
(Founder & Executive Chair)They started their career at Accenture and Booz Allen & Hamilton before working in Product Management at Apple and Virage. They left their role of 8 years as President of Enterprise at Google to found Upstart in March 2012.
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