Software Engineer, Core Pricing

The Team:

Upstart’s Core Pricing team drives key initiatives that directly influence Upstart’s revenue streams and product strategies. This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a topnotch borrower experience by supporting our product development teams.

You will be joining a dynamic, crossfunctional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, highimpact solutions.

As a Software Engineer at Upstart, you will implement and maintain features that manage the pricing process for all of Upstart’s product lines, ensuring that the output of ML underwriting models are accurately converted to measures of risk and profitability. Youll also contribute to the development of our product lines through the addition of new pricing features to increase borrower conversion and profitability per loan.

How you’ll make an impact

• Work closely with crossfunctional teams to understand business goals and translate them into technical requirements.
• Develop robust, highperformance services that enable realtime pricing decisions.
• Optimize and refactor code for scalability and efficiency, ensuring lowlatency responses in our pricing engines.
• Maintain and evolve our API infrastructure to support the growing volume of products and integrations.
• Ensure the quality and reliability of pricing models by writing unit and integration tests, participating in code reviews, and monitoring production systems.

• What we’re looking for:

  • Minimum requirements:
    
    • 3+ years of professional software development experience building scalable public or consumerfacing web andor mobile products displaying a passion for userexperience, and a productfirst mindset.
    • High level of proficiency coding in production with Python, Kotlin, or Go or languages with similar syntax.
    • Exhibits a growth mindset you’re not afraid to pick up new technologies that are best for the task, and learn from others.
    • Experience with building scalable APIs and microservices in a cloudbased environment (e.g., AWS, GCP).Familiarity with data modeling, pricing algorithms, or fintech products is a plus.
    • Ability to work in a collaborative, agile environment and manage competing priorities.
    • Strong problemsolving skills with an emphasis on scalability and performance.
    • Excellent communication skills, able to explain complex technical topics to nontechnical stakeholders.
    • Proven ability to influence technical and nontechnical stakeholders, overcoming objections by presenting evidence through data.
    • Proven success independently leading small engineering teams on complex, multimonth initiatives meeting challenging but realistic deadline.
    • Exhibits a bias for action and comfortability persevering through ambiguity you regularly practice critical thinking and love to solve difficult problems.
    • Exhibits a passion for mentorship and coaching juniormid level Engineers.
    • • Preferred qualifications:
        • Background in finance fintech, financial mathematics, statistics, or machine learning.
        • History of thriving in a variety of work environments: both collaborative and selfdirected; remote and inperson.
        • Well versed with microservices, distributed systems, and cloudnative development (AWS or GCP preferred).
        • Knowledge of, or handson experience utilizing advanced CICD technologies with a focus on infrastructureeverything as code.
        • Contributes to the opensource community, educates others on software development best practices, or spends time outside of work staying up with the latest trends in modern SDLC.
        • You are the Subject Matter Expert or goto for an important domain on your current or previous team, and love to teach others about it.
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          • Position Location This role is available in the following locations: Remote, San Mateo, Columbus, Austin

            Time Zone Requirements This team operates across all U.S. time zones.

            Travel Requirements This team has regular onsite collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

            What youll love:

            • Competitive Compensation (base + bonus & equity)
            • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
            • 401(k) with 100% company match up to $4,500 and immediate vesting and aftertax savings
            • Employee Stock Purchase Plan (ESPP)
            • Life and disability insurance
            • Generous holiday, vacation, sick and safety leave
            • Supportive parental, family care, and military leave programs
            • Annual wellness, technology & ergonomic reimbursement programs
            • Social activities including team events and onsites, allcompany updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
            • Catered lunches + snacks & drinks when working in offices

            • #LIREMOTE

              #LIAssociate

              At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by jobrelated skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

              In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

              United States | Remote Anticipated Base Salary Range

              $142,000—$196,600 USD

              Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.

              If you require reasonable accommodation in completing an application, interviewing, completing any preemployment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

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