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This position was posted on April 6, 2026 and is likely no longer accepting applications. We've kept it here for historical reference. Check out the similar jobs below!
Job Overview
Location
United States | Remote
Job Type
Full-time
Category
Software Engineering
Date Posted
April 6, 2026
Full Job Description
đź“‹ Description
- • As a Principal Software Engineer, Machine Learning Simulations at Upstart, you will build and operate the core infrastructure that powers ML model training, inference, and marketplace simulation—foundational to the company’s success in delivering AI-driven credit decisions.
- • You will design, build, maintain, and optimize Upstart’s next-generation ML and simulation platform to enable increased scale, performance, and confidence in decisioning, including reducing inference latency to just a few seconds for complex models and improving simulation accuracy to reflect production environments.
- • You will collaborate closely with ML, Engineering, Product, Finance, and Data Engineering teams to accelerate innovation while safeguarding system performance and integrity, mentoring engineers and translating complex requirements across technical and non-technical stakeholders.
- • You will have the opportunity to shape the evolution of Upstart’s AI engine, contribute to high-impact systems that power over one million predictions per borrower, and grow your expertise in distributed systems, MLOps, and scalable architecture while working in a digital-first, flexible environment with quarterly onsites for connection and collaboration.
Skills & Technologies
About Upstart Holdings, Inc.
Upstart Holdings, Inc. operates a cloud-based lending platform that uses artificial intelligence to assess borrower credit risk beyond traditional FICO scores. Founded by ex-Googlers in 2012 and headquartered in San Mateo, California, the company partners with banks and credit unions to originate personal, auto refinance, and small-dollar loans. Its machine-learning models analyze education, employment, and cash-flow data to predict default likelihood, enabling higher approval rates and lower APRs for consumers while reducing fraud and loss rates for lenders. Upstart earns fees from loan facilitation, servicing, and referral services; it does not hold loans on its balance sheet.
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