Software Engineer, Core Pricing

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.

The Core Pricing team drives key initiatives that directly influence Upstart's revenue streams and product strategies. This includes developing common systems to calculate risk and profitability for each loan originated, while providing a top-notch borrower experience by supporting product development teams.

As a Software Engineer at Upstart, you'll implement and maintain features managing the pricing process across all product lines, ensuring ML underwriting models accurately convert to risk and profitability measures. You'll work closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions.

Key responsibilities include:

• Developing robust, high-performance services for real-time pricing decisions
• Optimizing code for scalability and efficiency
• Maintaining and evolving API infrastructure
• Ensuring quality through testing and monitoring
• Collaborating cross-functionally to translate business goals into technical requirements

The ideal candidate brings:

• 3+ years of professional software development experience
• Strong proficiency in Python, Kotlin, or Go
• Experience with cloud platforms (AWS/GCP)
• Background in building scalable APIs and microservices
• Strong problem-solving and communication skills
• Ability to influence technical and non-technical stakeholders

This is an exciting opportunity to join a fast-growing fintech company that's revolutionizing lending through AI. You'll work on challenging technical problems while directly impacting the business and helping expand access to credit.