Upstart is the 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.
We are seeking a Software Engineer to join our Revenue Science team. Revenue Science builds the systems that optimize the offers we present to borrowers—balancing customer appeal, lender requirements, and capital availability. We use machine learning, real-time decision engines, and flexible configuration to power accurate, personalized pricing at scale, while ensuring a great borrower experience.
You'll collaborate with engineers and cross-functional partners across Product, Analytics, Machine Learning, and Capital Markets to build scalable systems that respond to changing lender needs, funding dynamics, and borrower behavior. This role offers opportunities to deepen your backend expertise while working on impactful infrastructure that supports Upstart's lending growth.
Key responsibilities include:
The ideal candidate will have 3-5 years of backend/full-stack experience, strong distributed systems knowledge, and experience with technologies like Kotlin, Python, PostgreSQL, and cloud platforms. Experience in fintech, particularly in dynamic pricing or revenue optimization, is preferred.
As a digital-first company, most Upstarters can work remotely across the US, with offices also available in San Mateo, Columbus, and Austin. The team operates on East/West coast time zones with quarterly in-person collaboration sessions.