About Upstart
Upstart is the 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 80% of borrowers are approved instantly, with zero documentation to upload.
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
Upstart’s Marketplace Analytics team is a new team coordinating the interplay between supply, demand and pricing in Upstart’s marketplace between borrowers and lenders. Our goal is to optimize the marketplace for all participants. We use rigorous analysis, experimentation, and modeling to understand market dynamics and drive strategic decisions.
As a Staff Analyst on the Marketplace Analytics team at Upstart, you will be a key player in shaping our pricing strategy. You will be responsible for partnering closely with Engineering & Product Management to optimize borrower pricing while ensuring proper marketplace functioning and health. This role requires a unique blend of strong technical skills to design and interpret experiments, coupled with sharp business acumen and systems thinking to understand how pricing decisions impact the broader Upstart ecosystem. You'll need to move fluidly between deep quantitative analysis and high-level strategic thinking.
Position Location - This role is available in the following locations: Remote, USA, San Mateo,CA, Columbus, OH
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:
- Lead the design, execution, and analysis of pricing experiments (A/B tests) to understand price elasticity and optimize key marketplace outcomes.
- Develop and refine analytical frameworks and models to assess the impact of pricing strategies on borrower demand, lender supply, conversion rates, revenue, and overall marketplace balance.
- Conduct in-depth analyses of market trends, competitor pricing, and user behavior to identify opportunities for pricing improvements.
- Partner cross-functionally with Product Management, Engineering, Data Science, Finance, and Capital Markets teams to develop, implement, and monitor pricing initiatives.
- Translate complex analytical findings into clear, actionable insights and strategic recommendations for stakeholders and leadership.
- Think critically about the end-to-end system, modeling and reasoning about how pricing changes interact with risk assessment, underwriting policies, loan funding mechanisms, and other parts of the business.
- Contribute to the development of data infrastructure and tooling needed for robust pricing analysis and experimentation.
What we’re looking for:
- Minimum requirements:
- Strong analytical and quantitative background with at least 8+ years of professional experience in analytics, data science, or a related quantitative field.
- Proven experience in designing, running, and analyzing A/B tests or other experiments.
- Proficiency in data analysis tools, particularly SQL and Python/R.
- Experience with BI/visualization tools (e.g., Looker, Tableau, Mode).
- Degree in a quantitative field such as Economics, Statistics, Mathematics, Engineering, Data Science, Operations Research, or a related area.
- Excellent problem-solving skills with the ability to tackle complex, ambiguous problems with a structured approach.
- Strong communication and presentation skills, with the ability to articulate complex analytical concepts to diverse audiences.
- Demonstrated ability to think critically about business problems and the systems they operate within.
- Preferred qualifications:
- Experience specifically in pricing analytics, revenue management, or marketplace optimization.
- Experience in technology, fintech, lending, or two-sided marketplace companies.
- Experience building predictive models related to demand forecasting, price elasticity, or market simulation.
- Deep understanding of statistical methods and causal inference techniques.
- Proven ability to influence strategic decisions through data-driven insights and narratives, especially at the leadership level.
- Experience collaborating effectively with Product Management and Engineering teams.
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
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—$217,000 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.
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 candidate_accommodations@upstart.com
https://www.upstart.com/candidate_privacy_policy
Top Skills
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.
