Research Scientist - Personal Loans

October 8, 2024

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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

• Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. • Most Upstarters live and work anywhere in the United States. • As a Research Scientist, you’ll enjoy a fast-paced environment with a focus on productionalizing, deploying and training machine learning models. • This role sits on the Personal Loans, Underwriting team, directly responsible for building and maintaining models that evaluate the risk of every applicant.

🎯 Requirements

• Strong academic credentials with a master's degree in statistics, mathematics, economics, physics, operations research, computer science, or other quantitative areas of study; Ph.D. preferred • Programming skills in Python • Full-stack expertise with all steps of the modeling process from ideation to productionalizing code; OR deep expertise in either statistical modeling or machine learning • Proficiency in a broad array of mathematical, statistical learning and machine learning concepts and applications • Knowledge of machine learning, pipelines and engineering architecture • Detailed understanding of building good technical solutions; ability to convert ideas into testable hypotheses and/or next steps • Ability to meet team standards with respect to quality and velocity with minimal help or direction from peers • For more complex tasks, ability to break down problems into smaller tasks, and use them to estimate the timeline of executing a larger initiative. Willingness to make the right tradeoffs when needed to deliver projects on time. • Proactively communicate to stakeholders and teammates with ability to contextualize technical results • Strong sense of intellectual curiosity balanced with humility, drive and teamwork • Numerically-savvy and smart with ability to operate at a speedy pace • Enthusiasm for and alignment with Upstart’s mission and values

🏖️ Benefits

• Competitive Compensation (base + bonus & equity) • Comprehensive medical, dental, and vision coverage • Personal Development and Technology & Ergonomic Budgets • Life insurance and disability benefits • Clubs and Activities (Game Nights, Fitstarters, Superwomen, Book Club, Investing Club, Money Discussions, Photography Club and Basketball teams) • Generous vacation policy • 401(k) and Employee Stock Purchase Plan (ESPP) • Catered lunches + snacks & drinks