Principal Software Engineer, Cash Line

We're looking for a Principal Software Engineer to join our Cash Line team, working on a new always-on revolving credit product. The role involves designing and building the core backend systems, partnering with machine learning engineers, and shaping foundational architectural decisions. The team operates like a startup inside Upstart, with a high ownership environment and a focus on innovation.

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
• 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
• 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
• Retirement benefits, including a 401(k) or Group Retirement Savings Plan with a company match
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options
• Comprehensive health coverage, including medical, dental, vision, and wellness resources
• Health Savings Account contributions
• Income protection benefits, including life insurance and disability coverage
• Paid time off, sick leave, and company holidays
• Paid family and parental leave
• Family-centered benefits, including fertility and parental leave
• Employee Assistance Program (EAP) offering mental health support
• Financial wellness resources, including access to financial planning tools and a financial concierge service
• Annual wellness allowance
• Annual productivity allowance
• Connection and community through team events, all-company updates, and employee resource groups (ERGs)