Principal Software Engineer, Core Pricing
Principal Software Engineer, Core Pricing
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Job Description
About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts 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. More than 80% of borrowers are approved instantly with zero documentation to upload.
Upstart is a digital-first company which means that most Upstarters live and work anywhere in the United States. However we also have offices in San Mateo California; Columbus Ohio; and Austin Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart wed love to hear from you!
- Lead the technical direction of our pricing platform developing scalable backend services in Python that power dynamic pricing and revenue models.
- Translate high-level business objectiveslike margin optimization and monetizationinto concrete engineering initiatives.
- Drive experimentation infrastructure and collaborate with ML and capital teams to build models and tools for pricing optimization.
- Architect systems that expose pricing logic as reusable services across multiple product areas enabling other teams to build quickly and consistently.
- Serve as a thought partner to product and business leads bringing strong business acumen and a quantitative mindset to decision-making.
- Actively code and mentor engineers across the team setting a high technical bar while remaining hands-on.
- Ensure our pricing systems evolve to meet the needs of a fast-scaling fintech environment without drifting into infrastructure or DevOps scope.
- 10 years of professional software engineering experience including time as a Staff or Principal Engineer.
- Proven track record of building distributed backend systems in Python or similar languages.
- Experience leading technical direction for platform teams that serve multiple product surfaces.
- Demonstrated ability to connect engineering efforts with business outcomes especially in revenue optimization or monetization.
- Strong communication and collaboration skills; comfortable interfacing with ML product and finance stakeholders.
- Hands-on experience with launching experiments and interpreting their impact on revenue or growth metrics.
- Prior experience in fintech ecommerce or other domains with complex pricing and monetization logic.
- Background in applied math financial modeling or economics.
- Experience working closely with ML and Capital teams to influence model design and business strategy.
- Familiarity with pricing engines experimentation platforms or fee optimization frameworks.
- Passion for building platforms that empower other teams to move faster and make better decisions.
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 on-site 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 $4500 and immediate vesting and after-tax 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 all-company 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
#LI-REMOTE
#LI-MidSenior
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 locationwith our digital first philosophy Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related 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).
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 pre-employment testing or otherwise participating in the employee selection process please email
Staff IC
Employment Type
Full Time
Key Skills
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