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Our mission is to enable effortless credit based on true risk.
Principal Software Engineer, Cash Line
Location
United States
Posted
102 days ago
Salary
$195.3K - $270.4K / year
Seniority
Lead
Job Description
Principal Software Engineer, Cash Line
Upstart
• Design and build the core backend systems that power a new revolving credit product used directly by consumers. • Own distributed services that support underwriting, pricing, line management, transactions, and servicing with high reliability and observability. • Translate complex product and economic requirements into scalable technical systems, balancing speed, risk, and long term maintainability. • Partner closely with machine learning engineers and data teams to productionize models and integrate AI driven decisioning into real time user flows. • Collaborate with mobile engineers to deliver seamless consumer facing features, ensuring backend systems are optimized for real world usage patterns. • Work across the full lifecycle of credit, from consumer acquisition and onboarding through funding, servicing, and capital markets distribution. • Shape foundational architectural decisions in a greenfield environment, while thoughtfully integrating with systems from Upstart’s mature lending platform. • Contribute to a Gen AI first product strategy, helping define how generative AI enhances user experience, internal tooling, automation, and operational workflows. • Raise the bar for engineering quality through strong API design, data modeling, observability, testing, and operational rigor.
Job Requirements
- Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience
- Strong experience designing distributed systems and event driven architectures, including real world handling of retries, idempotency, fault tolerance, and failure modes.
- Proficiency in an object oriented language such as Python, Java, Kotlin, C#, or Ruby, and experience building and maintaining APIs and service oriented architectures.
- Experience shipping consumer facing features end to end, with a strong understanding of latency, reliability, and user impact.
- Ability to work effectively in ambiguous, zero to one environments where requirements evolve quickly.
- Strong cross functional collaboration skills and comfort working closely with product, finance, compliance, and other business stakeholders.
- Active use of AI tools in engineering, with a forward-looking perspective on how AI is reshaping software development.
- Exceptional communication and collaboration skills; able to align teams and advocate for high-impact solutions across functions.
Benefits
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
- Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
- Health Savings Account contributions from Upstart for eligible plans
- Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
- Paid time off, sick and safe time, and company holidays
- Paid family and parental leave to support caregiving and major life moments
- Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service
- Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).
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