Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams.
You will be joining a dynamic, cross-functional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions.
As a Senior Software Engineer on Core Pricing, you’ll play a critical role in evolving the systems that power Upstart’s loan pricing across multiple product lines. You’ll design and implement highly scalable, low-latency services that convert ML underwriting outputs into accurate risk and profitability measures, while helping define the future of Upstart’s pricing platform.
Lead the design and development of scalable, high-performance services that enable real-time pricing decisions across multiple products.
Collaborate with data scientists and product managers to translate business goals into robust technical solutions.
Drive architectural improvements in the pricing platform to support rapid growth, new products, and evolving modeling needs.
Mentor and coach engineers across the team, elevating best practices in system design, testing, and operational excellence.
Ensure the quality and reliability of our pricing engines through comprehensive testing, code reviews, and production monitoring.
Champion improvements in developer experience, automation, and observability to increase team velocity and platform resilience.
5+ years of professional software development experience building scalable public or consumer-facing products.
~ High level of proficiency coding in production with Python, and some experience with Java or Kotlin or similiar.
~ Proven ability to independently own and deliver complex, multi-month engineering projects in fast-paced environments.
~ Experience designing and building scalable APIs and microservices in a cloud-based environment (AWS or GCP).
~ Strong problem-solving skills with an emphasis on scalability, performance, and system reliability.
~ Demonstrated experience mentoring and coaching engineers, influencing technical direction, and raising the bar for the team.
~ Background in finance / fintech, financial mathematics, statistics, or machine learning preferred but not required
remote and in-person.
Deep experience with distributed systems, cloud-native development, and advanced CI/CD pipelines (infrastructure-as-code focus).
Active contributor to the tech community through open source, technical talks, or mentorship.
Remote US
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.
#LI-REMOTE
#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 job-related skills, experience, and relevant education or training. 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
$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 job-related skills, experience, and relevant education or training. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
Canada | Remote - Anticipated Base Salary Range
$153,000 - $190,000 CAD
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
Connection and community through team events, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
For roles based in Canada, please note that we are not currently able to hire in Quebec.
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
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams.
You will be joining a dynamic, cross-functional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions.
As a Senior Software Engineer on Core Pricing, you’ll play a critical role in evolving the systems that power Upstart’s loan pricing across multiple product lines. You’ll design and implement highly scalable, low-latency services that convert ML underwriting outputs into accurate risk and profitability measures, while helping define the future of Upstart’s pricing platform.
Lead the design and development of scalable, high-performance services that enable real-time pricing decisions across multiple products.
Collaborate with data scientists and product managers to translate business goals into robust technical solutions.
Drive architectural improvements in the pricing platform to support rapid growth, new products, and evolving modeling needs.
Mentor and coach engineers across the team, elevating best practices in system design, testing, and operational excellence.
Ensure the quality and reliability of our pricing engines through comprehensive testing, code reviews, and production monitoring.
Champion improvements in developer experience, automation, and observability to increase team velocity and platform resilience.
5+ years of professional software development experience building scalable public or consumer-facing products.
~ High level of proficiency coding in production with Python, and some experience with Java or Kotlin or similiar.
~ Proven ability to independently own and deliver complex, multi-month engineering projects in fast-paced environments.
~ Experience designing and building scalable APIs and microservices in a cloud-based environment (AWS or GCP).
~ Strong problem-solving skills with an emphasis on scalability, performance, and system reliability.
~ Demonstrated experience mentoring and coaching engineers, influencing technical direction, and raising the bar for the team.
~ Background in finance / fintech, financial mathematics, statistics, or machine learning preferred but not required
remote and in-person.
Deep experience with distributed systems, cloud-native development, and advanced CI/CD pipelines (infrastructure-as-code focus).
Active contributor to the tech community through open source, technical talks, or mentorship.
Remote US
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.
#LI-REMOTE
#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 job-related skills, experience, and relevant education or training. 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
$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 job-related skills, experience, and relevant education or training. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
Canada | Remote - Anticipated Base Salary Range
$153,000 - $190,000 CAD
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
Connection and community through team events, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
For roles based in Canada, please note that we are not currently able to hire in Quebec.
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
Remote Senior Software Engineer, Pricing in remote at Unknown Company
This position is listed as full time and able to be worked remotely.