Principal Software Engineer, Pricing Platform
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Job Description
Principal engineer shaping Upstart’s AI lending pricing platform and scalable pricing services. Leading architecture across Personal Loans, Auto, HELOC, ML, and Product teams.
Responsibilities:
- Define the cross-company technical vision and roadmap for Upstart's pricing platform
- Lead architectural evolution toward modular, reusable platform capabilities across loan products
- Design and improve Tier 0/Tier 1 services where latency, throughput, availability, and financial correctness are critical
- Partner with machine-learning scientists and engineers to create reliable boundaries between models and production pricing systems
- Balance engineering, machine learning, and product needs across organizations
- Clarify service, API, configuration, and ownership boundaries across Pricing, Personal Loans, Auto, HELOC, and adjacent platform teams
- Evaluate runtime and language choices, including Python, Kotlin, Rust, and Go
- Reduce operational burden through testing, observability, failure isolation, incident learning, and architecture limiting blast radius
- Lead technical discussions and build alignment across Engineering, ML, Product, Data, Security, Compliance, and business partners
- Participate in design reviews, prototypes, and critical code while mentoring senior technical leaders
- Prioritize technical-debt and platform investments based on business value, risk reduction, and long-term return
- Develop scalable, low-latency, highly reliable services that convert ML underwriting outputs into pricing decisions for multiple product lines
Requirements:
- 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
- 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 such as AWS, and maintainable software design
- Hands-on technical judgment spanning strategy, architecture, concrete designs, prototypes, debugging, and critical implementation decisions
- Ability to explain complex systems, constraints, and trade-offs to technical and nontechnical audiences
- Demonstrated success leading cross-organization technical decisions and influencing without direct authority
- Experience mentoring senior engineers and expanding the effectiveness and scope of other technical leaders
- Strong product and business judgment, balancing delivery, reliability, technical debt, risk, and long-term investment
- Preferred: experience with calculation-heavy, real-time decisioning, pricing, marketplace, risk, fraud, payments, trading, auction, or advertising systems
- Preferred: experience partnering with machine-learning teams or productionizing models at scale
- Preferred: experience modernizing mature or tightly coupled platforms through staged migration
- Preferred: experience with AWS, Kubernetes, microservices, event-driven systems, and production observability
- Preferred: additional production experience with Rust or another performance-oriented language
- Preferred: background or applied exposure in statistics, mathematics, economics, econometrics, financial systems, or other quantitative domains
- Preferred: experience in a rapidly scaling or changing organization
- For roles based in Canada, employees must be based outside Quebec because Upstart is not currently able to hire in Quebec
Benefits:
- Competitive compensation, including bonus opportunities and annual equity grants that vest quarterly
- 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Medical, dental, vision, and wellness resources
- Supplemental health coverage for Canada
- Health Savings Account contributions for eligible plans (US only)
- Life insurance and disability coverage
- Paid time off, sick leave, and company holidays
- Paid family and parental leave
- Fertility, parenthood, and caregiving benefits
- Employee Assistance Program (EAP) with mental health support and life-centered resources
- Financial planning tools and financial concierge service (US only)
- Annual wellness allowance
- Annual productivity allowance for relevant tools and resources
- Team events, all-company updates, and employee resource groups (ERGs)
- Catered lunches and fully stocked micro-kitchens at offices in the Bay Area, Austin, Columbus, and New York City
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