Senior Software Engineer, Revenue Science

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 can have higher approval rates and lower loss rates across races, ages, and genders, while delivering exceptional digital-first lending experiences.

The Revenue Science team builds systems that optimize offers presented to borrowers—balancing customer appeal, lender requirements, and capital availability. Using machine learning, real-time decision engines, and flexible configuration, they power accurate, personalized pricing at scale while ensuring great borrower experiences.

As a Senior Software Engineer on the Revenue Science team, you'll:

• Design and build real-time services for origination fee computation and offer filtering
• Collaborate with product managers, analysts, and engineers to drive smarter pricing decisions
• Develop scalable systems supporting experimentation and rapid market response
• Ensure security, performance, and availability of critical pricing platforms
• Work with stakeholders to optimize marketplace performance and lender alignment

The role offers opportunities to deepen backend expertise while working on impactful infrastructure supporting lending growth. You'll be part of a digital-first company where most employees work remotely, with offices in San Mateo, Columbus, and Austin. Regular team onsites occur 1-2 times per quarter.

The ideal candidate brings 5+ years of backend/full-stack experience with distributed systems and APIs, along with expertise in technologies like Kotlin, Python, PostgreSQL, and cloud platforms. Experience with microservices, real-time data processing, and fintech domains like dynamic pricing is highly valued.

Join us in enabling access to effortless credit based on true risk while working on sophisticated pricing systems that help more people get better loan offers.