People Matter

Principal Software Engineer, Servicing Core Platform



Software Engineering
United States · Remote
Posted on Wednesday, April 17, 2024

About Upstart

Upstart is a 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 two-thirds of Upstart loans are approved instantly and are fully automated.

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!

The Team:

Upstart’s Servicing Vertical is responsible for the lifecycle of each and every loan, ensuring an exceptional experience for every borrower. Our Servicing Core Platform team is specifically responsible for building and maintaining a componentized, distributed Servicing Platform that connects all other functional areas within Servicing. The team’s goal is to create a SaaS platform that is best in class among financial institutions.

As the Principal Software Engineer on the team, you will collaborate with stakeholders across Upstart’s entire business and all engineering teams, including Machine Learning, Data Engineering, Product Management, Product Design, and the other Servicing Engineering teams. You will report directly to a Director of Engineering and will lead the Core Platform team in architecting the future of our Servicing system. Your goal will be to autonomously identify and prioritize high impact work that will ultimately pave the way to a world class Servicing solution.

How you’ll make an impact

  • Help define the Core Platform engineering team’s long term technical roadmap, ensuring alignment with business objectives
  • Guide the architectural evolution of the Servicing engineering ecosystem
  • Uncover and drive alignment across complex technical requirements, designs and trade-offs, influencing product direction
  • Proactively evaluate, prototype, and roll out new technologies/frameworks to help cultivate a culture of innovation
  • Partner with product leaders to shape product direction and drive business impact across all Servicing products
  • Lead from the front, while mentoring and developing technical leaders

Minimum Qualifications

  • 10+ years software engineering experience
  • Strong technical and software engineering fundamentals including a demonstrated ability to build and own large-scale, highly available services that integrate across various parts of the business
  • Ability to explain complex business and technical concepts to all audiences
  • Experience leading large cross-team initiatives at companies that have gone through periods of rapid business or organizational growth
  • Track record of successfully mentoring and developing technical leaders
  • Experience building componentized software with event-driven architecture

Preferred Qualifications

  • Has defined and executed on longer term (multi-quarter +) technological visions or strategies for multi-team organizations
  • Has driven initiatives of significant depth and/or breadth with demonstrated results in engineering process, technology platforms, or overall productivity of others
  • Ability to identify gaps in organizational knowledge, tools, and practices and produce and execute on plans to address those gaps
  • Ability to influence and lead without direct authority
  • Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs

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 safety leave
  • Supportive parental, family care, and military leave programs
  • Annual wellness, technology & ergonomic reimbursement programs
  • Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
  • Catered lunches + snacks & drinks when working in offices



At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range
$180,600$250,000 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email