Our mission is to enable effortless credit based on true risk.
Principal Software Engineer
Location
United States
Posted
3 days ago
Salary
$190.6K - $263.9K / year
Seniority
Lead
Job Description
Principal Software Engineer
Upstart
• Lead the architecture, design, and implementation of internal platforms, security automation systems, and workflow tooling that support Upstart Bank operations. • Establish scalable engineering patterns, technical standards, and system designs that enable long-term platform growth and maintainability. • Partner with stakeholders across risk, compliance, legal, operations, and engineering to translate complex business requirements into durable software solutions. • Design and oversee relational data models, authorization systems, integrations, and platform services that support secure and reliable operations. • Identify and mitigate technical risks, making thoughtful decisions around system architecture, platform investments, and build-versus-buy tradeoffs. • Mentor engineers through technical leadership, architectural reviews, design documentation, and engineering best practices. • Drive technical strategy for internal platforms and automation initiatives as the bank expands its operational and regulatory capabilities.
Job Requirements
- Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 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.
Benefits
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Income protection benefits, including life insurance and disability coverage for added financial security
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (duration varies by country)
- Family-centered benefits to support fertility, parenthood, and caregiving needs
- 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 (US Only)
- 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, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
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