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 Investor Analytics team plays the critical role of providing analytical capability across Upstart's organization to enable data-driven decision making. We leverage our analytical and technical skills to support our partners with a multitude of services. This includes understanding our underwriting models, presenting on trends in our loan performance, analyzing market size opportunities, creating financial models, developing our business intelligence pipeline to enable self-service reporting, and architecting/automating of work processes.
As a Staff Data Analyst at Upstart, you will join our Investor Analytics team. You’ll be responsible for driving understanding, insights and decision making relating to our loan credit and financial performance. You’ll partner with our Capital Markets and Lending Partnership teams to help investors, banks, and credit unions to take advantage of our unique technology to achieve their business goals.
Position Location - This role is available in the following locations: Remote
Time Zone Requirements - This team operates on both East and 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 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:
- Influence Upstart’s credit platform and investor/lending community through informing decisions, opportunities, and risks, while supported by deep understanding and insights on Upstart’s model, credit, and valuation
- Develop credit monitoring and model performance to conduct in-depth analysis on credit data, trends, and anomalies that drive model and product decisions
- Build foundational financial and performance models, data pipelines, and automated reporting to enable robust and dynamic credit intelligence
- Partner with Capital Markets, Lending Partnership, Data Engineering, Machine Learning, Finance, and other Analytics teams to shape credit metrics and narratives, drive consensus on the state of Upstart platform, and deepen investor/lending partner confidence to invest in our platform
- Mentor junior team members and foster a center of excellence on data, credit, and analytics
What we’re looking for:
- Minimum qualifications:
- 8+ years work experience in increasingly senior analytical roles in technology and/or financial services industries
- Experience in credit analytics, business analytics, valuations, and/or financial analytics using Python, R, GSheet (AppScript), Excel (VBA), SAS;
- Experience working with large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Redshift, Snowflake, Tableau; Experience deriving actionable insights from analysis and analytical storytelling
- Ability to craft executive-ready narratives and presentations around complex business or performance topics and successfully influence C-level decision making
- Degree in Analytics, Data Science, Economics, Engineering, Mathematics or other quantitative field
- Preferred qualifications:
- Experience in coaching and mentoring junior team members on technical subjects
- Experience in credit risk management
- Demonstrated ability to work collaboratively and in deep partnership with cross-functional teams especially in Finance, Product, Data Engineering, Machine Learning teams
- Demonstrated ability to balance multiple workstreams and priorities; experience influencing up and cross functionally to maximize positive impact to the organization
- Experience in consumer lending, and/or knowledge of the consumer finance market and capital markets
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-MidSenior --> use for L5, L6
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
$157,000—$217,500 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.
