Principal Software Engineer, Cash Line
About the role
The Team
Cash Line is Upstart’s new always on revolving credit product designed to expand access to responsible, fairly priced credit. Instead of a traditional rewards driven credit card model, Cash Line rethinks how credit is structured and priced, using AI driven underwriting to better separate risk and reduce the need for cross subsidized rewards.
We are a small, senior engineering team operating like a startup inside Upstart. The team owns the product end to end, from consumer facing experiences in the mobile app to the backend systems that power underwriting, pricing, servicing, and capital markets integrations.
This is a high ownership environment. The codebase is new. The architecture is still being shaped. You will work closely with product, growth, finance, compliance, and capital markets partners to build a category defining credit experience.
We are building with generative AI as a core capability from day one, both in the customer experience and in how we build and operate the product internally.
How you’ll make an impact:
- Design and build the core backend systems that power a new revolving credit product used directly by consumers.
- Own distributed services that support underwriting, pricing, line management, transactions, and servicing with high reliability and observability.
- Translate complex product and economic requirements into scalable technical systems, balancing speed, risk, and long term maintainability.
- Partner closely with machine learning engineers and data teams to productionize models and integrate AI driven decisioning into real time user flows.
- Collaborate with mobile engineers to deliver seamless consumer facing features, ensuring backend systems are optimized for real world usage patterns.
- Work across the full lifecycle of credit, from consumer acquisition and onboarding through funding, servicing, and capital markets distribution.
- Shape foundational architectural decisions in a greenfield environment, while thoughtfully integrating with existing platform services.