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 Analytics team plays a critical role in enabling data-driven decision-making across Upstart. By leveraging analytical and technical expertise, we support business partners in key areas, including underwriting model analysis, loan performance trends, market opportunity assessments, financial modeling, business intelligence development, and workflow automation.
As a Senior Analyst on the Auto Analytics team, you will drive critical analytics, reporting, and pricing strategies that support the growth of our Retail and Refinance Auto products. You will work cross-functionally with finance, credit, and strategy teams to assess revenue and cost impacts, optimize pricing, and enhance borrower creditworthiness evaluations. This role will have an opportunity to make a meaningful, quantifiable impact on a growing portfolio by proposing and implementing multiple credit and pricing changes.
The ideal candidate for this role has strong technical expertise in SQL, Python, and structured data models (e.g., JSON) and a proven ability to craft executive-level presentations. You should be able to work independently with minimal guidance and effectively translate complex data into actionable insights for senior leadership.
How you’ll make an impact:
- Lead pricing strategy and reporting to optimize profitability while increasing conversion of applications to loans
- Partner with finance to evaluate cost structures and measure revenue/cost impacts of business changes
- Conduct credit analysis to assess borrower creditworthiness and model-driven impacts on conversion
- Develop and maintain SQL, Python, and JSON-based data models to support analytics and reporting needs
- Create high-impact executive presentations to communicate findings and strategic recommendations
- Support various ad hoc analytical projects as needed to drive business performance
Minimum Qualifications:
- 3+ years of experience in analytics, finance, or a related field
- SQL and Python skills for data analysis and reporting
- Strong ability to translate complex data into clear business insights and presentations for executives
- Ability to work independently and proactively in a fast-paced environment
- Bachelor’s Degree
Preferred Qualifications:
- 5+ years of experience in analytics, finance, or a related field
- Experience in credit modeling, pricing strategy, or lending analytics
- Previous experience in the auto lending domain
- Experience with structured data formats (JSON, Parquet, etc.)
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
Location: This role is remote within the U.S.
Time Zone Requirements: The team operates across East and West Coast time zones.
Travel Requirements: As a digital-first company, most work can be done remotely. However, employees are encouraged to participate in regular in-person collaboration sessions. Most teams meet once or twice per quarter for 2-4 consecutive days at a time.
#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
$128,900—$178,500 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
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.
