Software Engineer, Revenue Science

About Upstart

Upstart is the 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 80% of borrowers are approved instantly, with zero documentation to upload.

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!

We are seeking a Software Engineer to join our Revenue Science team. Revenue Science builds the systems that optimize the offers we present to borrowers—balancing customer appeal, lender requirements, and capital availability. We use machine learning, real-time decision engines, and flexible configuration to power accurate, personalized pricing at scale, while ensuring a great borrower experience.

You’ll 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. This role offers opportunities to deepen your backend expertise while working on impactful infrastructure that supports Upstart’s lending growth and helps deliver better offers to more people.

How you’ll make an impact:

• Collaborate with product managers, analysts, and engineers to drive smarter pricing decisions and efficient capital deployment
• Design, build, and maintain real-time services that power origination fee computation and offer filtering
• Work with business stakeholders to identify opportunities for optimizing marketplace performance and lender alignment
• Develop scalable, reliable systems that support experimentation and rapid response to market changes
• Ensure the security, performance, and availability of critical pricing platforms
• Participate in code reviews, testing, and the deployment of high-quality code

What we’re looking for: 

Minimum Qualifications 

• 3-5 years of experience in backend or full-stack software development, 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
• Good communication and teamwork skills, with the ability to work effectively with cross-functional teams

Preferred Qualifications

• 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

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones.

Travel 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.

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 safe