below marketmost similar roles pay hereabove market
This role pays more than
75%
of similar roles. Most pay
$151,000–$199,175
— the blue band above.
At the midpoint, this role pays about
$199k
versus about
$175k
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.
As a Senior Software Engineer, Marketplace Optimization, you will join the team responsible for the intelligent systems powering an AI lending marketplace. You will design, build, and operate highly available backend services and scalable distributed systems that facilitate real-time decisions regarding borrower matching, offer construction, and marketplace monetization. Your daily work involves translating complex business problems into technical solutions, improving platform observability, and managing production services that balance investor objectives with borrower outcomes. You will utilize technologies including Ruby on Rails, Python, or Kotlin, alongside AWS cloud platforms. The role requires expertise in designing APIs, event-driven architectures, and real-time data processing. You will solve optimization problems by building reliable systems that execute critical marketplace decisions while supporting rapid experimentation and operational excellence.
What does a Software Engineer earn in Texas?
Median $178175 from 187 postings across 44 companies.
Design, build, and operate highly available backend services for the real-time lending marketplace.
Develop scalable systems that support rapid experimentation while maintaining business-critical production reliability.
Translate complex business problems from Product, Machine Learning, and Capital Markets into technical solutions.
Build flexible platform capabilities to support new marketplace optimization and monetization strategies.
Improve the scalability, observability, and operational excellence of real-time marketplace decision systems.
Participate in architecture discussions, code reviews, and testing for critical production systems.
Provide operational ownership for distributed systems that power millions of lending decisions.
What we're looking for
Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience).
5+ years of professional software engineering experience building backend or distributed systems.
Experience developing production services using one or more of Ruby on Rails, Python, or Kotlin.
Experience designing APIs and building scalable distributed systems.
Experience operating business-critical production services with an emphasis on reliability, monitoring, testing, and operational excellence.
Experience with cloud platforms (AWS preferred) and modern cloud-native application development.
Experience collaborating across engineering, product, and business stakeholders.
Experience building marketplaces, recommendation systems, optimization engines, financial systems, or working with event-driven architectures (preferred).