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Principal Software Engineer, Product

Remote / Online - Candidates ideally in
Coos Bay, Coos County, Oregon, 97458, USA
Listing for: Upstart
Remote/Work from Home position
Listed on 2026-02-28
Job specializations:
  • Software Development
    Backend Developer, Cloud Engineer - Software, Software Engineer, Full Stack Developer
Salary/Wage Range or Industry Benchmark: 257500 USD Yearly USD 257500.00 YEAR
Job Description & How to Apply Below
Position: Principal Software Engineer, New Product

Employer Industry: AI Lending Marketplace

Why Consider this Job Opportunity:
  • Salary up to $257,500
  • Competitive compensation package including bonuses and equity
  • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions
  • Generous 401(k) plan with matching contributions
  • Flexible remote work option available across all U.S. time zones
  • Supportive parental and family care leave programs, along with wellness reimbursement initiatives
What to Expect (Job Responsibilities):
  • Set technical direction and lead architectural design for core backend systems that power a new consumer credit product
  • Build distributed, event-driven services that are reliable, observable, and scalable
  • Drive zero-to-one product development in collaboration with cross-functional partners
  • Champion engineering velocity and quality by shaping patterns, practices, and tooling across the stack
  • Serve as a technical mentor and thought leader within a high-performing, fast-moving team
What is Required (Qualifications):
  • 8+ years of experience designing and building backend systems in production, focusing on consumer-scale applications
  • Deep expertise in distributed systems and event-driven architectures
  • Strong command of an object-oriented programming language (e.g., Java, Kotlin, C#, Python, Ruby)
  • Proven success leading complex, zero-to-one product development in ambiguous or fast-changing environments
  • Exceptional communication and collaboration skills
How to Stand Out (Preferred Qualifications):
  • Experience leading technical initiatives at B2C fintech or high-scale consumer technology companies
  • Background in payments, credit, or transactional systems with high reliability and regulatory requirements
  • Entrepreneurial mindset—comfortable wearing multiple hats and navigating early-stage product phases
  • Passion for building products that expand access and improve outcomes for underserved users
  • Demonstrated interest in AI-assisted systems and shaping the future of AI-native software development
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