Principal Software Engineer, Pricing Platform

Upstart

Confirmed live today High trust
Remote

Quick summary

Work type
Remote
Location
Columbus, OHAustin, TXSan Francisco, CANew York, NY
Salary
$195,300–$270,400 / yr
Posted
59 days ago
Freshness
Confirmed live today
Closes
Jan 22, 2027

Market check

Salary context

Above market

How this pay compares to similar roles

Similar $192k
This role $233k
$115k $287k
below market most similar roles pay here above market

This role pays more than 84% of similar roles. Most pay $169,550–$214,500 — the blue band above. At the midpoint, this role pays about $233k versus about $192k for comparable roles.

Based on 240 similar postings.

Employer

About Upstart

Upstart is an AI lending platform that partners with banks and credit unions to expand access to affordable credit using non-traditional variables.

Upstart currently has 54 open roles on FindRole.

Listed pay typically runs $166,900–$230,900 across 53 roles with salary data.

Most-posted roles

View all roles at Upstart

At a glance

TL;DR · Principal Software Engineer, Pricing Platform

The Principal Software Engineer, Pricing Platform joins the Core Pricing team to provide technical leadership across engineering, machine learning, and product organizations. You will shape the long-term architecture and strategy for pricing systems that serve multiple product lines, including Personal Loans, Auto, and HELOC. Your daily responsibilities involve leading the development of scalable, low-latency services that convert machine learning underwriting outputs into accurate pricing decisions while managing technical debt and mentoring senior leaders. You will utilize a technology stack including Python (Django, FastAPI, Celery), Kotlin/Spring Boot, gRPC/Protobuf, Temporal, AWS, Kubernetes, and Datadog. This role solves the complex business problem of translating underwriting insights into reliable risk and profitability decisions, ensuring financial correctness and high availability across the company's diverse lending products.

What does a Software Engineer earn in Texas?

Median $178175 from 187 postings across 44 companies.

See salary data

What you'll do

  • Define the cross-company technical vision and roadmap for the pricing platform.
  • Lead the architectural evolution from sequential workflows toward modular, reusable platform capabilities.
  • Design and improve Tier 0/Tier 1 services for high latency, throughput, and financial correctness.
  • Partner with machine-learning scientists to create scalable boundaries between models and production systems.
  • Clarify service, API, configuration, and ownership boundaries across multiple product teams.
  • Evaluate and select runtime and language choices like Python, Kotlin, Rust, or Go.
  • Reduce operational burden through improved testing, observability, and failure isolation.
  • Mentor senior technical leaders and conduct design reviews and prototypes for critical implementations.

What we're looking for

  • Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience.
  • 8 or more years of software engineering experience.
  • Track record of setting architecture and technical direction for large, complex distributed systems across multiple teams or products.
  • Production proficiency in at least one of Python, Kotlin, or Java, with the ability to work effectively in a Python environment.
  • Experience designing or operating Tier 0/Tier 1 services with demanding latency, throughput, availability, and correctness requirements.
  • Strong understanding of APIs, service-oriented or modular architectures, containerization, cloud infrastructure (e.g., AWS), and maintainable software design.
  • Demonstrated success leading cross-organization technical decisions and mentoring senior engineers.
  • Experience building calculation-heavy, real-time decisioning, pricing, risk, or financial systems (preferred).

More like this

Similar roles

Software Engineer, Pricing

Upstart

Remote (Canada) 145 days ago $142,000–$196,600
Python Java Kotlin AWS GCP Microservices APIs CI/CD Infrastructure-as-Code Distributed Systems Machine Learning System Design Observability
3+ yrs exp Remote

Principal Software Engineer, Platform

Oracle

Nashville, TN 36 days ago $104,500–$234,600
Oracle Cloud Infrastructure Java C++ C# Go Microservices RESTful APIs Containers Cloud-native Distributed Systems Middleware Observability SLOs Capacity Planning SDKs
7+ yrs exp

Principal Software Engineer, Platform

Oracle

Seattle, WA +1 36 days ago $104,500–$234,600
Oracle 19c RAC Data Guard RMAN ASM SQL Python Shell Scripting OCI SRE API Observability Capacity Planning Middleware
6+ yrs exp

Principal Software Engineer, Platform

Oracle

Nashville, TN 32 days ago $104,500–$234,600
Oracle Cloud Infrastructure (OCI) Java C++ C# Go RESTful APIs Microservices Distributed Systems Containers Cloud-native Observability SLOs Middleware SDKs API Versioning Data Structures Algorithms
7+ yrs exp