At Upstart, we’re driven by a mission to radically reduce the cost and complexity of borrowing for all Americans. We leverage creativity, experimentation, and advanced artificial intelligence to reshape access to credit, empowering millions of individuals to move forward financially with clarity and confidence. As the leading AI-powered lending marketplace, we partner with banks and credit unions to expand access to affordable credit through innovative technology that is both intelligent and human-centric. Our platform performs over one million predictions per borrower, utilizing more than 1,800 signals to facilitate smarter, fairer lending decisions for our customers. Beyond the numbers, our impact is measured by the lives we touch and the financial progress we enable. We operate as a digital-first organization, offering flexibility to work remotely from various locations across the US and Canada, while fostering in-person connections through team events, planning sessions, and collaborative moments. We are committed to creating an inclusive environment where talented individuals can thrive and contribute meaningfully to our mission.
About The Role
We are seeking a highly skilled Staff Data Analyst to join our Servicing Analytics team. In this pivotal role, you will influence key aspects of Upstart’s servicing functions by providing advanced analytical support to drive data-driven decision-making and operational efficiency. You will work closely with product management, operations, engineering, and machine learning teams to develop insights, optimize recovery and collection strategies, and enhance our data infrastructure. Your responsibilities include conducting in-depth analyses, designing and executing experiments such as A/B tests, building and maintaining business intelligence pipelines, and creating executive-level reports and presentations. You will play a crucial role in identifying opportunities for improvement, supporting strategic initiatives, and mentoring junior team members. Your contributions will directly impact our ability to deliver smarter, fairer lending solutions and improve the customer experience.
Qualifications
- 8+ years of experience in senior analytical roles within the technology and finance industries
- Strong proficiency in SQL, Python, and/or R for data analysis and modeling
- Extensive experience working with large datasets, unstructured data, and data pipelines using tools like Databricks, DBT, Snowflake, Redshift, Looker, Tableau, or Mode
- Degree in Economics, Statistics, Mathematics, Engineering, Data Science, or a related quantitative field
- Proven ability to derive actionable insights and communicate analytical findings effectively
- Experience in payments, product, or operations analytics is highly desirable
- Experience designing and evaluating A/B tests, particularly in financial or operational contexts
- Ability to craft executive-level narratives around complex data and influence decision-making at senior levels
- Strong collaboration skills, with a track record of working cross-functionally and mentoring junior team members
- Lead the development of analytical capabilities to support servicing initiatives and improve operational efficiency
- Create and deliver regular executive presentations to communicate insights, findings, and strategic recommendations
- Design and conduct experiments, including A/B tests, to evaluate hypotheses related to user behavior and servicing processes
- Partner with analytics engineering and software engineering teams to enhance data infrastructure, ensuring timely access to relevant data as the business evolves
- Develop and maintain business intelligence tools and dashboards to support ongoing reporting and decision-making
- Identify opportunities for process improvements and operational enhancements through data analysis
- Mentor and guide junior analysts, fostering a culture of analytical excellence and innovation
- Collaborate with cross-functional teams to prioritize projects and initiatives that maximize organizational impact
- Competitive salary with bonus potential and quarterly equity grants
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 annually
- Employee Stock Purchase Plan (ESPP) with discounted stock options
- Comprehensive medical, dental, and vision coverage, with Upstart covering 90% to 100% of costs
- Health Savings Account contributions for eligible plans
- Income protection benefits including company-paid life, AD&D, and disability coverage
- Paid time off, sick leave, and company holidays
- Paid family and parental leave to support caregiving and major life events
- Family-centered benefits through partnerships with Carrot and Cleo, supporting fertility, parenthood, and caregiving needs
- Mental health support via Employee Assistance Program (EAP)
- Financial wellness resources, including planning tools and concierge services
- Annual wellness and productivity allowances to support your personal and professional growth
- Participation in team events, onsite gatherings, and employee resource groups to foster community
- Access to onsite perks such as catered lunches and fully stocked kitchens at our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026)
Upstart is an Equal Opportunity Employer. We are committed to fostering an inclusive environment and providing equal employment opportunities regardless of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. We believe diversity and inclusion are integral to our success and welcome applicants from all backgrounds.
