Principal Analyst - Small Dollar Loans

February 21

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Upstart

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Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

Personal Loans • FinTech • Marketplace Lending • Artificial intelligence • Finance

1001 - 5000 employees

📋 Description

• 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 • Operating like a startup within a larger company, our team moves quickly to refine our ML models, automate the customer experience, and scale the business. Since launching in April 2022, we've expanded access to credit for tens of thousands of customers while proving strong unit economics—and we’re just getting started. • As a Principal Analyst, you’ll play a critical role in driving data-driven decision-making for our Small Dollar Loan product. Partnering with Product, Engineering, and Data Science, you’ll uncover insights, shape strategy, and enhance our data infrastructure to optimize product performance. Your work will directly influence Upstart’s continued growth, ensuring our product evolves to better serve customers while scaling efficiently.

🎯 Requirements

• Minimum qualifications: • 10+ years of experience in product analytics, data science, or a related quantitative role, preferably in fintech, lending, or consumer finance. • Strong proficiency in SQL and Python (or R) for data analysis, modeling, and automation. • Experience with A/B testing, causal inference, and experimental design to drive product decisions. • Excellent communication skills with a proven ability to present complex data insights in a clear and actionable manner. • Background in statistical analysis, predictive modeling, or machine learning, with experience applying these to product or financial decision-making. • Preferred qualifications: • Master’s or PhD in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science). • Experience working with lending products, risk modeling, or financial services analytics. • Understanding of data modeling principles, including designing scalable and efficient analytical models • 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.

🏖️ Benefits

• 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