About Upstart
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!
The Team
The FP&A team at Upstart plays an integral part in the company’s business and financial planning process. We are looking for a highly motivated and hard-working individual to join our team to provide operational and strategic decision-making support to our emerging products as well as and some of our functional departments.
As a Senior Financial Analyst at Upstart, you will drive and support all aspects of FP&A which includes in-depth financial and business planning, collaborating with business leaders across the company, and driving analyses for business and strategic cases. Through your efforts, we’ll be able to ensure the Upstart leadership team stays on top of our financial performance and risks. If you are naturally curious, love data, versed in financial modeling and analysis, and are an excellent communicator who enjoys collaborating with people with a diverse set of talents, this could be a great opportunity for you.
Position Location - This role is available in the following locations: Remote
Time Zone Requirements - This team operates on the East/West Coast time zones.
Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
How you’ll make an impact:
- Finance partner to our emerging product teams, leading the forecast and planning cycles with key business partners as well as overseeing other opex functions
- End to end ownership of the emerging products’ P&L models for revenue, margin, and expenses, driving financial accountability and transparency
- Manage operating expense budgets, working closely with department team leads to set, monitor, and manage budget
- Partner and collaborate with leadership team in planning strategic direction across products, operations, sales and marketing
- Support financial analysis for new product and pricing initiatives and build key metrics analysis
- Create reports and dashboards in financial planning software and BI tools such as Looker and Mode to monitor financial trends and relevant metrics and report on key insights
- Support month-end and quarter-end processes, working closely with Accounting to understand key variances, summarize and present the results to the Finance Leadership
- Prepare executive summaries with monthly results and key stats and communicate findings of monthly budget analysis to vertical and functional leadership
- Support key corporate financial deliverables where needed, such as earnings preparation and monthly business reviews
What we’re looking for:
- Minimum qualifications:
- BS/MS Degree in Finance, Economics, Statistics or equivalent practical experience
- Minimum of 5 years of relevant FP&A experiences
- Highly competent in Excel and/or Google Sheets: excellent financial modeling skills and ability to perform complex analyses with big data sets required
- Proven track record in demonstrating well-developed strategic, analytical, interpersonal, organizational and communications skills
- Excellent presentation skills and comfort in communicating with multiple levels of leadership
- Proven ability to learn quickly, work independently, and adapt to change in a fast-paced environment
- Organized and proven ability to juggle multiple tasks while still meeting deadline
- Preferred qualifications:
- Experience with NetSuite
- Experience with financial planning software such as Adaptive, Anaplan, or Hyperion
- Experience with BI tools such as Looker, Tableau or Mode
- Experience with advanced data analytics tools such as SQL, Python or R
- Previous consumer marketplace lending industry experience
- Previous Accounting Experience
What you'll love:
- 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
#LI-REMOTE
#LI-Associate
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
$98,700—$136,500 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.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]
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.
Gallery
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.
