About this role
Software Engineer II on Upstart’s Monetization team designs, builds, and maintains real-time services powering offers and pricing; collaborates with product, analytics, ML, and capital markets to optimize pricing decisions and capital deployment.
Key Responsibilities
- Design, build, and maintain real-time services powering origination fee computation and offer filtering
- Develop scalable, reliable systems to support experimentation and 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
Technical Overview
Backend-focused role with a stack including Kotlin, Python, PostgreSQL, Ruby on Rails; cloud platforms AWS/GCP/Azure; microservices and real-time data processing using Kafka and Spark; SQL and data warehousing experience.
Ideal Candidate
The ideal candidate is a mid-level software engineer with 3+ years in distributed systems, backend APIs, and cloud platforms, proficient in Kotlin and Python, with fintech or pricing optimization experience.
Must-Have Skills
Bachelor’s degree in Computer ScienceEngineeringor Mathematicsor a related field (or its equivalent) + 3 years of experiencewith a strong focus on distributed systems and APIsExperience with KotlinExperience with PythonExperience with PostgreSQLExperience with Ruby on RailsExperience with cloud platforms (AWSGCPAzure) and deploying applications in a cloud native environmentExperience with microservices architecture and real-time data processing pipelines (KafkaSparkor similar)Familiarity with database technologies such as SQL and data warehousing solutions
Nice-to-Have Skills
Experience in fintechparticularly in dynamic pricingrevenue optimizationor capital marketsFamiliarity with machine learning models and their integration into production systemsExperience with internal toolsThrives in diverse work environments (remote/in-person)
Tools & Platforms
KafkaSparkSQLPostgreSQLRuby on RailsPythonAWSGoogle Cloud PlatformAzureAPIs
Required Skills
Bachelor’s degree in Computer ScienceEngineeringor Mathematicsor a related field (or its equivalent) + 3 years of experiencewith a strong focus on distributed systems and APIs; Kotlin; Python; PostgreSQL; Ruby on Rails; AWS (Amazon Web Services); Google Cloud Platform; Azure; Kafka; Spark; SQL; Data Warehousing; Distributed Systems; APIs; Cloud Native
Hard Skills
KotlinPythonPostgreSQLRuby on RailsAWS (Amazon Web Services)Google Cloud PlatformAzureKafkaSparkSQLData WarehousingDistributed SystemsAPIsCloud Native
Soft Skills
Collaborates with productanalyticsMLand capital marketsTeam playerAnalytical thinkingProblem-solvingAdaptabilityClear communication
Keywords for Your Resume
Software Engineer IIUpstartMonetizationremotedistributed systemsAPIsKotlinPythonPostgreSQLRuby on RailsAWSAmazon Web ServicesGCPGoogle Cloud PlatformAzureKafkaSparkSQLData WarehousingCloud NativeAWS (Amazon Web Services)
Deal Breakers
Lack of distributed systems or API experience, Lack of 3 years of experience, No Kotlin or Python experience
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