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
Join a High-Impact, High-Visibility Team Driving Upstart’s Capital Strategy
At the forefront of Upstart’s success, the Investor Analytics team plays a pivotal role in securing capital—a critical function that powers our business. This is a high-impact, high-visibility role where you’ll collaborate across the organization to deliver the analytical insights and technical capabilities that drive data-informed decision-making.
As a Staff Data Analyst, you will play a pivotal role in influencing Upstart’s success. Partnering closely with our Capital Markets and Lending Partnership teams, you’ll work directly with some of the top institutional capital providers in the industry, helping them leverage Upstart’s cutting-edge technology to achieve their business goals. You’ll drive insights into loan credit and financial performance while contributing to the structuring of bespoke capital deals that meet the unique needs of upstart and our partners. This is a high-visibility opportunity to collaborate with industry leaders, shape strategic decisions, and make a meaningful impact on the growth and innovation of a company reshaping the future of lending.
How you’ll make an impact:
- Work closely with Capital Markets and Lending Partnership teams to shape Upstart’s capital strategy. You’ll engage directly with capital investors to showcase the strength of Upstart’s platform, build lasting confidence, and craft tailored capital solutions that drive innovation and growth
- Work hand-in-hand with Data Analytics, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics, craft compelling narratives, and develop financial forecasts, driving alignment on the state of the Upstart platform.
- Drive impactful decisions within Upstart’s credit platform and the investor/lending community by identifying opportunities, evaluating risks, and leveraging deep insights
- Develop foundational financial models, data pipelines, and automated reporting systems to deliver powerful, dynamic insights and enable strategic decision-making.
- Mentor junior team members while fostering a culture of excellence in data, credit, and analytics, positioning the team as a hub of expertise and innovation.
What we’re looking for:
Minimum qualifications:
- 7+ years of professional growth and proven success in the technology and financial sectors, showcasing a deep understanding of industry dynamics and innovation.
- Strong background in credit analytics, valuation, and quantitative financial model development
- Hands-on proficiency with advanced SQL techniques and experience with Python or R.
- Expertise in working with large datasets, data modeling, and building robust data pipelines, utilizing tools like Databricks, DBT, Looker, Snowflake, and Redshift to deliver actionable insights.
- Degree in Economics, Statistics, Engineering, Data Science, or other quantitative fields.
Preferred qualifications:
- Exceptional track record of building strong partnerships with cross-functional teams, particularly in Finance, Product, Data Engineering, and Machine Learning, to align on strategy and drive impactful outcomes.
- Skilled at translating complex business and performance insights into compelling, executive-ready narratives, using data visualization tools like Tableau, PowerBI, or Looker to influence and drive strategic decisions at the C-suite level.
- Extensive experience in consumer lending strategy, with a strong background in consumer credit capital markets, private credit, or structured products, enabling informed decision-making and innovative approaches to credit strategy.
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
Travel requirements - As a digital first company, the majority of your work can be accomplished remotely within the United States. 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. 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
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