Senior Software Engineer, Core Pricing

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.

As a Senior Software Engineer on the Core Pricing team 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:

• 7+ years of professional software development experience
• Strong proficiency in one or more programming languages such as Python, Java, or Go.
• Experience with building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP).
• Experience with communication frameworks such as gRPC and Kafka.
• Excellent communication skills, able to explain complex technical topics to non-technical stakeholders.

Preferred qualifications:

• Professional experience with a Python or Java based web framework (such as FastAPI or Spring), and communication frameworks such as gRPC and Kafka.
• Familiarity with data modeling, pricing algorithms, or fintech products
• Background in finance / fintech, financial mathematics, statistics, or machine learning

This role is available in the following locations: Remote, San Mateo, Columbus, Austin. The team operates across all US time zones and has regular on-site collaboration sessions occurring 3 days per quarter at Upstart office. If you need to travel to make these meetups, Upstart will cover all travel-related expenses.