Software Engineer, Monetization

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Monetization team is building the systems that optimize the offers we present to borrowers—balancing customer appeal, lender requirements, and capital availability. We use machine learning, real-time decision engines, and flexible configuration to power accurate, personalized pricing at scale, while ensuring a great borrower experience. As the Software Engineer II at Upstart, you will collaborate with engineers and cross-functional partners across Product, Analytics, Machine Learning, and Capital Markets to build scalable systems that respond to changing lender needs, funding dynamics, and borrower behavior. This role offers opportunities to deepen your backend expertise while working on impactful infrastructure that supports Upstart’s lending growth and helps deliver better offers to more people. How you’ll make an impact Design, build, and maintain real-time services that power origination fee computation and offer filtering Develop scalable, reliable systems that support experimentation and rapid response to market changes Collaborate with product managers, analysts, and engineers to drive smarter pricing decisions and efficient capital deployment Work with business stakeholders to identify opportunities for optimizing marketplace performance and lender alignment Ensure the security, performance, and availability of critical pricing platforms Participate in code reviews, testing, and the deployment of high-quality code Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience, with a strong focus on distributed systems and APIs Experience with some or many of the following: Kotlin, Python, PostgreSQL, Ruby on Rails Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar) Familiarity with database technologies such as SQL and data warehousing solutions Preferred Qualifications Experience in fintech, particularly in areas such as dynamic pricing, revenue optimization, or capital markets Familiarity with machine learning models and their integration into production systems Prior experience or demonstrated enthusiasm for working on internal tools History of thriving in a variety of w ... (truncated, view full listing at source)