Principal Software Engineer

Upstart

Confirmed live today High trust
Remote

Quick summary

Work type
Remote
Location
Columbus, OHAustin, TXSan Francisco, CANew York, NY
Salary
$190,600–$263,900 / yr
Posted
134 days ago
Freshness
Confirmed live today
Closes
Jan 22, 2027

Market check

Salary context

Above market

How this pay compares to similar roles

Similar $195k
This role $227k
$128k $278k
below market most similar roles pay here above market

This role pays more than 80% of similar roles. Most pay $169,550–$220,800 — the blue band above. At the midpoint, this role pays about $227k versus about $195k 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

JOB TITLE: Principal Software Engineer The Principal Software Engineer joins the Bank Technology team to provide technical leadership for internal platforms, security automation, and operational systems. You will drive architectural direction, establish engineering patterns, and solve complex technical challenges to support the bank's growth as a licensed financial institution. Day-to-day responsibilities include designing relational data models, authorization systems, and workflow tooling while mentoring engineers on best practices. You will partner with risk, legal, and compliance stakeholders to translate business requirements into durable software solutions. The role requires expertise in distributed systems, APIs, and role-based access control. Preferred technical skills include TypeScript, Node.js, Next.js, and Prisma. You will navigate the complexities of regulated financial services, ensuring systems meet security and compliance standards like SOC 2 and NIST CSF.

What does a Software Engineer earn in Texas?

Median $178175 from 187 postings across 44 companies.

See salary data

What you'll do

  • Lead the architecture, design, and implementation of internal platforms and security automation systems.
  • Establish scalable engineering patterns, technical standards, and system designs for long-term platform growth.
  • Translate complex business requirements from risk, compliance, and legal stakeholders into durable software solutions.
  • Design and oversee relational data models, authorization systems, and platform integrations.
  • Identify and mitigate technical risks while making decisions on system architecture and build-versus-buy tradeoffs.
  • Mentor engineers through technical leadership, architectural reviews, and design documentation.
  • Drive the technical strategy for internal platforms to support expanding operational and regulatory capabilities.

What we're looking for

  • Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience).
  • 8+ years of software engineering experience.
  • Experience designing, building, and operating large-scale production software systems and web applications.
  • Experience leading architecture and technical design for distributed systems, platform services, or internal software platforms.
  • Experience designing relational database schemas, APIs, integrations, authentication systems, and role-based access control frameworks.
  • Experience partnering with cross-functional stakeholders to deliver software solutions supporting operational, compliance, security, or business-critical workflows.
  • Knowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern application frameworks (preferred).
  • Experience building security automation, GRC platforms, or operational workflow systems (preferred).

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