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; Austin, Texas; and New York City, NY (opening Summer 2026).
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 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, some of which include understanding our underwriting models and 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 the Staff Analyst on the Home Analytics team at Upstart, you will be responsible for understanding, presenting, and driving best practices in product analytics and for developing our business intelligence pipeline to enable better decision making. You will partner with our Product, Engineering, and Machine Learning teams to drive understanding, insights and decision making.
How you’ll make an impact
- Develop and execute data-driven strategies to guide the growth and evolution of the HELOC product.
- Design, build, and maintain analytics frameworks that help measure product performance, user behavior, and loan outcomes.
- Guide the measurement roadmap for product initiatives by collaborating closely with Product Managers. You'll lead the design and execution of robust experimentation strategies, including A/B testing and causal inference, to accurately measure impact and drive data-driven product evolution.
- Conduct deep-dive analyses and modeling to uncover growth opportunities, optimize loan performance, and enhance risk strategies.
- Communicate insights and recommendations effectively to both technical and non-technical stakeholders, influencing product and business decision.
Minimum Qualifications
- 8+ years of experience in product analytics, data science, or a related quantitative role, preferably in fintech, lending, or consumer finance
- BS in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science)
- Proficiency in data analysis tools (SQL, Python / R, Looker / Mode / Tableau, etc.)
- Experience with A/B testing, causal inference, and experimental design to drive product decisions.
- Ability to influence product, engineering, and leadership teams through compelling storytelling with data.
- Comfort with ambiguity and a strategic mindset for solving complex, unstructured problems
Preferred Qualifications
- Master’s / PhD in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science)
- Experience working with lending products, risk modeling, or financial services analytics
- Background in statistical analysis, predictive modeling, or machine learning, with experience applying these to product or financial decision-making
Position Location - This role is available in the following locations: Remote, San Mateo, Columbus
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 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.
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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).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
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
