Software Engineer, Monetization

Upstart is an AI lending marketplace focused on reducing the cost and complexity of borrowing for all Americans. The Software Engineer II will collaborate with cross-functional teams to build scalable systems that optimize offers for borrowers, ensuring a great experience while supporting Upstart's lending growth.

Responsibilities:

• 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

Requirements:

• 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
• 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