
Revolutionizing lending with AI-driven insights
Upstart is an AI lending marketplace headquartered in South San Mateo, California, connecting millions of consumers with over 100 banks and credit unions. The company has raised $135.7 million in Series D funding and facilitates billions in loan originations by using advanced AI models to assess cre...
Upstart offers comprehensive health plans, a 401k plan, generous vacation policy, flexible time off, parental leave, and family forming benefits throu...
Upstart fosters a culture focused on leveraging technology to democratize access to credit. With a strong emphasis on AI-driven solutions, the company...

Upstart • United States | Remote
Upstart is seeking a Principal Software Engineer to lead the technical direction and architectural design for a new consumer credit product. You'll work with technologies like Java, Python, and AWS in a remote capacity across the United States.
You have 8+ years of experience in software engineering, with a strong focus on backend systems and architecture. Your expertise includes designing and implementing scalable, distributed systems that handle high volumes of transactions. You are proficient in programming languages such as Java and Python, and you have a solid understanding of cloud services, particularly AWS. You thrive in collaborative environments and enjoy mentoring junior engineers, sharing your knowledge to foster their growth. You are passionate about building products that make a difference, particularly in the financial sector, and you are committed to inclusive and fair hiring practices.
Experience with event-driven architectures and microservices is a plus. Familiarity with containerization technologies like Docker and orchestration tools such as Kubernetes will set you apart. You have a keen interest in AI and how it can be leveraged to improve lending processes. A background in finance or fintech is advantageous but not required.
As a Principal Software Engineer at Upstart, you will set the technical direction for a new consumer credit product, leading architectural design and ensuring that the backend systems are robust, reliable, and scalable. You will collaborate closely with product managers and other engineers to define the product roadmap and translate business requirements into technical specifications. Your role will involve building distributed, event-driven services that are observable and maintainable, ensuring they meet the high standards of performance and reliability expected in the financial industry.
You will also be responsible for conducting code reviews, implementing best practices in software development, and mentoring team members to enhance their technical skills. You will engage in problem-solving sessions to address complex technical challenges and contribute to the overall engineering culture at Upstart. Your insights will help shape the future of our lending platform, making it more accessible and efficient for users.
At Upstart, we offer a competitive salary and benefits package, including health insurance, retirement plans, and generous paid time off. You will have the opportunity to work in a fully remote environment, allowing you to balance your professional and personal life effectively. We foster a culture of innovation and collaboration, where your contributions will have a direct impact on our mission to expand access to affordable credit. Join us in redefining the lending experience and making a meaningful difference in people's lives.
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