{"id":181890,"url":"https://alion.io/job/upstart-senior-software-engineer-core-platform","title":"Senior Software Engineer, Core Pricing","company":{"id":1709,"name":"Upstart","domain":"upstart.com","url":"https://alion.io/company/upstart","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":{"grade":"A","score":86,"open_postings":16,"ghost_share":0,"stale_share":0.375,"repost_share":0,"time_to_fill_p50_days":70,"computed_at":"2026-10-25T05:49:26Z"}},"role":"Backend","role_family":"Backend","seniority":"senior","employment_type":null,"work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"posting_text","remote_working_hours":null,"hiring_geo_confidence":"explicit","locations":["United States"],"countries":["US"],"hiring_countries":["CA"],"hiring_countries_total":1,"salary":{"min":166900,"max":230900,"currency":"USD","period":"year","gross":null,"usd_annual":230900},"salary_estimate":null,"experience_years_min":4,"visa_sponsorship":false,"relocation_package":false,"has_equity":true,"technologies":[{"name":"AWS","optional":false},{"name":"GCP","optional":false},{"name":"Java","optional":false},{"name":"Kotlin","optional":false},{"name":"Python","optional":false},{"name":"CI/CD","optional":true},{"name":"Machine Learning","optional":true},{"name":"Platform Engineering","optional":true}],"status":"live","first_seen_at":"2026-08-31T15:47:23Z","employer_posted_date":"2026-10-14","last_verified_at":"2026-10-25T20:43:22Z","board_verified":true,"closed_at":null,"days_open":55,"trust":{"level":"ok","repost_count":1,"flags":[],"days_open":54},"description":"About Upstart\nAt Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.\nAs 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 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.\nWe’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. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. 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, you’ll have the support to work in the way that works best for you.\nIf you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.\nThe Team: \nUpstart’s Core Pricing team drives key initiatives that directly influence our revenue streams, unit economics, and product strategy. The team builds and evolves the common systems used to translate underwriting insights into accurate risk and profitability decisions for every loan we originate, while enabling a seamless borrower experience across products.\nAs a Senior Software Engineer on Core Pricing, you will design and build scalable, reliable systems that power pricing decisions across Upstart’s products. In close partnership with engineering, data science, product, and business teams, you will own meaningful technical projects, improve the architecture and reliability of our pricing services, and help translate complex modeling and business requirements into durable software capabilities.\nHow you’ll make an impact\nDesign, build, and evolve high-performance, real-time pricing systems that support critical lending decisions across Upstart products.\nOwn complex engineering projects from technical design through delivery, balancing scalability, reliability, correctness, and speed of iteration.\nPartner with data scientists, product managers, and business stakeholders to translate modeling and business requirements into reliable software solutions.\nIdentify and implement architectural improvements that increase the flexibility, maintainability, observability, and resilience of pricing services.\nContribute to technical standards for system design, testing, monitoring, and operational excellence within the Core Pricing team.\nSupport other engineers through design reviews, technical guidance, and knowledge sharing while contributing to sound technical decisions across the team.\nMinimum Qualifications \nBachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or its equivalent, plus 4 years of software engineering experience.\nExperience writing production software in Python and working with Java, Kotlin, or another strongly typed programming language.\nExperience designing, building, and operating scalable APIs, distributed systems, or microservices in a cloud environment such as AWS or GCP.\nExperience owning the technical design and delivery of complex software projects from development through production.\nExperience building production systems with requirements related to scalability, latency, reliability, or correctness.\nPreferred Qualifications\nKnowledge of fintech, financial systems, financial mathematics, statistics, machine learning platforms, or decisioning systems.\nExperience working on business-critical systems that affect revenue, profitability, risk, or core product outcomes.\nExperience with distributed systems, cloud-native architecture, platform engineering, continuous integration and deployment, or infrastructure as code.\nExperience partnering with data science and product teams to productionize models, decisioning logic, or experimentation capabilities.\nAbility to work effectively across engineering and non-engineering teams on technically complex initiatives.\nPosition location This role is available in the following locations: Remote \nTime zone requirements The team operates on the East/West coast time zones. \nTravel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.\nAt 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.\nIn addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).\nUnited States | Remote - Anticipated Base Salary Range\n$166,900—$230,900 USD\nAt 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.\nIn addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).\nCanada | Remote - Anticipated Base Salary Range\n$153,000—$190,000 CAD\nWhat you'll love\nAt Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:\nCompetitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly \nRetirement 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)\nEmployee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)\nComprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.\nHealth Savings Account contributions from Upstart for eligible plans (US only)\nIncome protection benefits, including life insurance and disability coverage for added financial security\nPaid time off, sick leave, and company holidays, in line with local requirements\nPaid family and parental leave to support caregiving and major life moments (duration varies by country)\nFamily-centered benefits to support fertility, parenthood, and caregiving needs\nEmployee Assistance Program (EAP) offering mental health support and life-centered resources\nFinancial wellness resources, including access to financial planning tools and a financial concierge service (US Only)\nAnnual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you\nAnnual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from\nConnection and community through team events, all-company updates, and employee resource groups (ERGs)\nOnsite 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\nFor roles based in Canada, please note that we are not currently able to hire in Quebec.\nUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.\nIf you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email \nhttps://www.upstart.com/candidate_privacy_policy","description_format":"text","description_chars":9306,"description_truncated":false,"requirements":{"experience_years_min":4,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":true},"security_clearance":false,"languages":[]},"benefits":["401k plan","Equity","Life insurance","Parental leave","Retirement plans"],"hiring_locations":[{"name":"Canada","iso":"CA","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Software & Embedded Finance","Financial AI","Consumer Loans & Pawnshops"],"lifecycle":[{"event":"open","at":"2026-08-31T23:43:26Z"},{"event":"close","at":"2026-09-24T18:33:49Z"},{"event":"reopen","at":"2026-10-14T16:05:26Z"}],"visa":[],"liveness":{"score":58,"band":"ok","label":"Likely open","p_open":1,"p_active":0.769,"p_room":0.75,"age_days":54,"expected_fill_days":70,"reasons":["conf:0","velocity","win:late"],"computed_at":"2026-10-25T05:49:26Z"},"pay":{"stated_usd_annual":230900,"is_top_pay":true},"html_url":"https://alion.io/job/upstart-senior-software-engineer-core-platform","json_url":"https://alion.io/job/upstart-senior-software-engineer-core-platform.json","meta":{"generated_at":"2026-10-25T21:47:34Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":30752,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-26T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":1709},"rest":"https://alion.io/mcp/rest/get_company?id=1709"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fupstart-senior-software-engineer-core-platform"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fupstart-senior-software-engineer-core-platform"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fupstart-senior-software-engineer-core-platform"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/upstart-senior-software-engineer-core-platform\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fupstart-senior-software-engineer-core-platform"}]}