[Hiring] Software Engineer, Monetization @Upstart

Role Description

As the Software Engineer II at Upstart, you will:

• Collaborate with engineers and cross-functional partners across Product, Analytics, Machine Learning, and Capital Markets to build scalable systems that respond to changing lender needs, funding dynamics, and borrower behavior.
• Design, build, and maintain real-time services that power origination fee computation and offer filtering.
• Develop scalable, reliable systems that support experimentation and rapid response to market changes.
• Collaborate with product managers, analysts, and engineers to drive smarter pricing decisions and efficient capital deployment.
• Work with business stakeholders to identify opportunities for optimizing marketplace performance and lender alignment.
• Ensure the security, performance, and availability of critical pricing platforms.
• Participate in code reviews, testing, and the deployment of high-quality code.

Qualifications

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience, with a strong focus on distributed systems and APIs.
• Experience with some or many of the following: Kotlin, Python, PostgreSQL, Ruby on Rails.
• Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment.
• Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar).
• Familiarity with database technologies such as SQL and data warehousing solutions.

Requirements

• Experience in fintech, particularly in areas such as dynamic pricing, revenue optimization, or capital markets.
• Familiarity with machine learning models and their integration into production systems.
• Prior experience or demonstrated enthusiasm for working on internal tools.
• History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person.

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year.
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees.
• Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose.
• Health Savings Account contributions from Upstart for eligible plans.
• Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage.
• Paid time off, sick and safe time, and company holidays.
• Paid family and parental leave to support caregiving and major life moments.
• Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving.
• 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.
• Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you.
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from.
• Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs).
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).