About Upstart
Upstart is a 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. More than two-thirds of Upstart loans are approved instantly and are fully automated.
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, we’d love to hear from you!
The Team:
Upstart’s Growth Pricing team is at the forefront of initiatives that directly impact the company’s revenue streams and growth strategies. We develop decision engines powered by machine learning models to optimize origination fees, bringing in more borrowers and improving the overall borrower experience. Additionally, the team plays a pivotal role in supporting growth partnerships, ensuring a seamless and top-tier experience for our partners.
As a Senior Software Engineer on the Growth Pricing team, you’ll work on high-impact projects like implementing and maintaining features that optimize origination fees, including our new ML Conversion Model and its decision engine. Your work will directly contribute to greater borrower engagement and help maximize Upstart’s revenue. You will also enhance our Frozen Rates feature, which provides consistent pricing for growth partners, helping drive increased traffic and revenue through these partnerships.
Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin
Time Zone Requirements - This team operates across all US 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.
How you’ll make an impact:
- Grow Upstart’s revenue by leveraging ML for dynamic pricing optimization.
- Strengthen Growth Partner relationships by enhancing our Frozen Rate algorithms.
- Improve scalability by solving technical challenges, including interservice communication.
- Ensure the long-term health and maintainability of our codebase.
- Collaborate with PMs, ML scientists, and data analysts on strategic, traffic-driving initiatives.
What we’re looking for:
- Minimum requirements:
- 6+ years of professional full-stack or backend software development experience.
- Strong expertise in Python, with experience in a Python-based web framework such as FastAPI.
- Proven experience building scalable APIs and microservices in cloud environments like AWS or GCP, leveraging communication frameworks such as gRPC or Kafka.
- Demonstrated success in leading medium to large engineering teams on complex, multi-quarter projects.
- Preferred qualifications:
- Proven ability to influence technical and non-technical stakeholders through data-driven evidence and strong communication, effectively overcoming objections when necessary.
- Experience in fintech, particularly in areas such as dynamic pricing, revenue optimization, or partnership-driven growth.
- Familiarity with machine learning models and their integration into production systems.
- Proven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settings.
- Passion for mentoring junior and mid-level engineers, fostering a collaborative, growth-oriented environment.
- Growth mindset with a willingness to learn new technologies and seek feedback for continuous improvement.
What you'll 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 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 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. 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
$160,400—$222,000 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 pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]
https://www.upstart.com/candidate_privacy_policy
Top Skills
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans.
If you are energized by the impact you think you could make at Upstart, we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced, and we encourage ownership at all levels of the organization. As a result, culture at Upstart is driven by Upstarters. Upstarters are proactive, talented, multi-dimensional and collaborative.
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Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo, California; Columbus, Ohio; and Austin, Texas.
