Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
Upstart aims to expand access to credit based on true risk. Upstart’s team builds models used to target marketing campaigns and make loan offers on partner websites such as Credit Karma and NerdWallet, with the goal of expanding Upstart’s user base and driving product growth. The team has a large revenue impact and is critical to Upstart’s success.
As a on this team, you will become fluent in our models and how they interact with our products. You’ll work on a rich variety of problems, like designing and reading out A/B tests, understanding price sensitivity, conducting in-depth data analysis to discover and size opportunities, and implementing data pipelines and dashboards. You will collaborate with a variety of stakeholders including ML scientists, engineers, product managers and growth marketers. Your work will drive cross-functional decision making and measurable results. To thrive in this role, you’ll need creativity, curiosity, critical thinking, product thinking, and an eye for impact.
- Apply expertise in data analysis, statistical inference and presentation to drive large impact
- Design and read out A/B tests for ML models and product improvements
- Build robust and insightful metrics to track model performance and drift
- Interface with growth and engineering teams to present analyses, size opportunities and suggest improvements to the business
- Understand our models and product to align ML goals with business performance
- Bachelor's degree or related experience in statistics or ML-adjacent fields of study
- 2 years experience in data science, partnering with Product, Engineering and/or Growth teams in a high-velocity environment
- 2 years experience with SQL and Python or R for data wrangling and visualization
- Experience with A/B tests, causal inference and statistical analysis to drive decisions
- Demonstrated ability to translate data insights to non-technical audiences
- MS or PhD in applied statistics, mathematics, economics or operations research
- Subject matter expert on evaluating model performance
- Experience building data pipelines and dashboards
- Expert in the areas of experimental testing, causal Inference, A/B testing, and hypothesis testing
- Familiarity with predictive modeling techniques (regression, gradient boosting, neural networks)
- Competitive compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
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At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
United States | Remote - Anticipated Base Salary Range
$149,800—$207,000 USD
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
https://www.upstart.com/candidate_privacy_policy
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans.
If you are energized by the impact you think you could make at Upstart, we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced, and we encourage ownership at all levels of the organization. As a result, culture at Upstart is driven by Upstarters. Upstarters are proactive, talented, multi-dimensional and collaborative.
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Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo, California; Columbus, Ohio; and Austin, Texas.
