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 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 Senior 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 and helps deliver better offers to more people.

As a digital-first company, most Upstarters live and work anywhere in the United States, with offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. The team operates on East/West coast time zones, with regular team onsites occurring once or twice per quarter for 2-4 consecutive days.

This is an exciting opportunity to join a company at the intersection of AI and lending, working on systems that directly impact the accessibility of credit while building sophisticated technical solutions. The role offers competitive compensation, comprehensive benefits, and the chance to work on meaningful problems with talented colleagues in a flexible, remote-first environment.