Upstart is seeking to optimize the offers presented to borrowers by balancing customer appeal, lender requirements, and capital availability.
Requirements
- 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
- 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
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
- Ensure the security, performance, and availability of critical pricing platforms
- Participate in code reviews, testing, and the deployment of high-quality code
- Collaborate with engineers and cross-functional partners across Product, Analytics, Machine Learning, and Capital Markets
- Work with business stakeholders to identify opportunities for optimizing marketplace performance and lender alignment
- Develop scalable systems that respond to changing lender needs, funding dynamics, and borrower behavior
Other
- Good communication and teamwork skills, with the ability to work effectively with cross-functional teams
- History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person
- Bachelor's degree or higher
- Travel requirements: occasional travel for in-person collaboration
- Time zone requirements: East/West coast time zones
- Ability to work remotely
