Upstart
Overview
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 delivering the 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
Upstart’s Machine Learning, Personal Loan Underwriting team is focused on leveraging machine learning to power Upstart’s underwriting models. This team builds the underwriting model which determines credit decisioning at Upstart and plays a central role in overall performance with numerous challenging problems to solve. As a
Machine Learning Engineer, PL UW
at Upstart, you will collaborate with Research Scientists, Data Scientists, and other engineering departments. Your work will impact the team in a number of ways: Increase ML productivity through better software and infrastructure; improve how we research, train, deploy, serve and monitor our models. Reduce the time from idea to production and enable testing of new ideas to fulfill our mission of enabling access to credit more effectively. Design and implement code and algorithms to improve our model’s predictive power. How you’ll make an impact
Build repeatable workflows and automation that allow scientists to focus on high-leverage tasks (methodology, writing, analysis) and reduce time spent on maintenance. Discover and develop a short and long-term roadmap of engineering improvements for the PL UW team. Explore new algorithms and methodologies for our machine learning models. Interface cross-functionally with other engineering teams to provide feedback and requirements for end-to-end high-quality systems. Qualifications
Education and Experience Phd in a quantitative field with 0+ years of relevant experience Masters in a quantitative field with 2+ years of relevant experience Bachelors in a quantitative field with 4+ years of relevant experience
Experience in Python Experience with Machine Learning Position location
This role is available in the following locations: Remote 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 spend high quality time in-person collaborating via regular onsite. 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 with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting 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 onsite sessions, ERGs, and interest groups Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-Associate Compensation
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. 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 $123,200—$170,500 USD Equal Opportunity
Upstart is an Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are 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. Reasonable accommodations for applications, interviews, or pre-employment testing can be requested by emailing candidate_accommodations@upstart.com. https://www.upstart.com/candidate_privacy_policy
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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 delivering the 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
Upstart’s Machine Learning, Personal Loan Underwriting team is focused on leveraging machine learning to power Upstart’s underwriting models. This team builds the underwriting model which determines credit decisioning at Upstart and plays a central role in overall performance with numerous challenging problems to solve. As a
Machine Learning Engineer, PL UW
at Upstart, you will collaborate with Research Scientists, Data Scientists, and other engineering departments. Your work will impact the team in a number of ways: Increase ML productivity through better software and infrastructure; improve how we research, train, deploy, serve and monitor our models. Reduce the time from idea to production and enable testing of new ideas to fulfill our mission of enabling access to credit more effectively. Design and implement code and algorithms to improve our model’s predictive power. How you’ll make an impact
Build repeatable workflows and automation that allow scientists to focus on high-leverage tasks (methodology, writing, analysis) and reduce time spent on maintenance. Discover and develop a short and long-term roadmap of engineering improvements for the PL UW team. Explore new algorithms and methodologies for our machine learning models. Interface cross-functionally with other engineering teams to provide feedback and requirements for end-to-end high-quality systems. Qualifications
Education and Experience Phd in a quantitative field with 0+ years of relevant experience Masters in a quantitative field with 2+ years of relevant experience Bachelors in a quantitative field with 4+ years of relevant experience
Experience in Python Experience with Machine Learning Position location
This role is available in the following locations: Remote 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 spend high quality time in-person collaborating via regular onsite. 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 with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting 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 onsite sessions, ERGs, and interest groups Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-Associate Compensation
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. 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 $123,200—$170,500 USD Equal Opportunity
Upstart is an Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are 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. Reasonable accommodations for applications, interviews, or pre-employment testing can be requested by emailing candidate_accommodations@upstart.com. https://www.upstart.com/candidate_privacy_policy
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