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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:
As a Principal Analyst on the Product Analytics team at Upstart, you’ll be responsible for driving understanding, insights, decision-making, and data infrastructure relating to the development, optimization, and enhancement of our Personal Loans product. You’ll partner with our Product Management, Engineering, Data Science, and Marketing teams to drive Upstart’s product innovation and growth.
How you’ll make an impact:
- Own the performance narrative for the Personal Loans product, crafting compelling stories from data to inform growth, product, and marketplace strategies (e.g., for Weekly Business Reviews, Monthly Business Reviews). This includes designing and building impactful dashboards that highlight key trends and insights.
- Develop and execute data-driven strategies to guide the growth and evolution of the Personal Loans product.
- Design, build, and maintain analytics frameworks that help measure product performance, user behavior, and loan outcomes.
- Guide the measurement roadmap for product initiatives by collaborating closely with Product Managers. You'll lead the design and execution of robust experimentation strategies, including A/B testing and causal inference, to accurately measure impact and drive data-driven product evolution.
- Conduct deep-dive analyses and modeling to uncover growth opportunities, optimize loan performance, and enhance risk strategies.
- Communicate insights and recommendations effectively to both technical and non-technical stakeholders, influencing product and business decisions.
Minimum qualifications:
- 8+ years of experience in product analytics, data science, or a related quantitative role
- Proficiency in data analysis tools (SQL, Python / R, Looker / Mode / Tableau, etc.)
- Experience with A/B testing, causal inference, and experimental design to drive product decisions
- 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
Preferred qualifications:
- Master’s or Ph.D. in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science)
- Experience working with lending products, risk modeling, or financial services analytics
- Background in statistical analysis, predictive modeling, or machine learning, with experience applying these to product or financial decision-making
Position location This role is available in the following locations: Remote, USA
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. 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.
What you’ll love:
- 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
#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).
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
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