Note: The job is a remote job and is open to candidates in USA. Upstart is an AI lending marketplace that uses advanced technology to expand access to affordable credit. The Principal Software Engineer will provide cross-company technical leadership for the pricing platform, shaping its architecture and roadmap while leading the development of scalable, low-latency, highly reliable pricing services across multiple loan products. The role partners with engineering, machine learning, product, and business teams and mentors senior technical leaders.
Responsibilities
- Define the cross-company technical vision and roadmap for Upstart's pricing platform, ensuring alignment across Pricing, Personal Loans, Auto, HELOC, ML, and Product organizations
- Lead the architectural evolution from tightly coupled, sequential workflows toward modular, reusable platform capabilities across loan products
- Design and improve Tier 0/Tier 1 services where latency, throughput, availability, and financial correctness are all critical
- Partner closely with machine-learning scientists and engineers to create reliable, scalable boundaries between models and production pricing systems
- Balance the sometimes-competing needs of engineering, machine learning, and product teams across organizations, making pragmatic trade-offs that serve Upstart's broader technical and business strategy
- Clarify service, API, configuration, and ownership boundaries across Pricing, Personal Loans, Auto, HELOC, and adjacent platform teams
- Evaluate runtime and language choices pragmatically, including where Python, Kotlin, Rust or Go best serve long-term system needs
- Reduce operational burden through better testing, observability, failure isolation, incident learning, and architecture that limits blast radius
- Lead company-wide technical discussions, surface trade-offs clearly, and build alignment across Engineering, ML, Product, Data, Security, Compliance, and business partners
- Stay close to implementation through design reviews, prototypes, and critical code while mentoring senior technical leaders and making the people around you more successful
- Prioritize technical-debt and platform investments based on business value, risk reduction, and long-term return rather than technical elegance alone
Skills
- Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field - or equivalent practical experience - plus 8 or more years of software engineering experience
- A track record of setting architecture and technical direction for large, complex distributed systems used across multiple teams or products
- Deep backend engineering experience and production proficiency in at least one of Python, Kotlin, or Java; willingness and ability to work effectively in a predominantly Python environment
- Experience designing or operating Tier 0/Tier 1 services with demanding latency, throughput, availability, and correctness requirements
- Strong understanding of APIs, service-oriented or modular architectures, containerization, cloud infrastructure (e.g., AWS), and maintainable software design
- Hands-on technical judgment: you can move from strategy and architecture into concrete designs, prototypes, debugging, and critical implementation decisions
- Strong communication skills and the ability to explain complex systems, constraints, and trade-offs to technical and nontechnical audiences
- Demonstrated success leading cross-organization technical decisions — balancing the needs of engineering, machine learning, and product teams — and influencing without direct authority
- Experience mentoring senior engineers and expanding the effectiveness and scope of other technical leaders
- Strong product and business judgment, including the ability to balance delivery, reliability, technical debt, risk, and long-term investment
- Experience building calculation-heavy, real-time decisioning, pricing, marketplace, risk, fraud, payments, trading, auction, or advertising systems
- Experience partnering with machine-learning teams or productionizing models at scale, including clear boundaries between modeling workflows and production services
- Experience modernizing a mature or tightly coupled platform through staged migration while continuing to deliver customer and business value
- Experience with AWS, Kubernetes, microservices, event-driven systems, and production observability
- Additional production experience with Rust or another performance-oriented language
- Background or applied exposure in statistics, mathematics, economics, econometrics, financial systems, or other quantitative domains
- Experience in a rapidly scaling or changing organization where architecture had to evolve alongside the business
Benefits
- Flexible remote work arrangement; most Upstarters can work from wherever they thrive in the US and Canada.
- Target bonuses
- Equity compensation
- Medical, dental, and vision coverage
- 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Wellness resources
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Life insurance and disability coverage
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (duration varies by country)
- Family-centered benefits to support fertility, parenthood, and caregiving needs
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial planning tools and a financial concierge service (US Only)
- Annual wellness allowance to support physical and emotional well-being and personal development
- Annual productivity allowance to invest in relevant tools and resources
- Team events, all-company updates, and employee resource groups (ERGs)
- Catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
Company Overview
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