Upstart
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 Upstart’s Credit & Investor Analytics team is at the forefront of AI/ML-driven credit lending across the organization. Our team employs advanced analytical and technical prowess to deliver comprehensive support in Upstart’s lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on loan performance and forecasting, while the Investor Analytics team plays a pivotal role in securing capital—a critical function that powers our business.
As a Senior Analytics Manager, Technical Lead at Upstart, you will join our Credit & Investor Analytics horizontal team. You’ll take a leadership stance in designing and developing analytics tools, data infrastructure, and analytical frameworks that support insights and decisions concerning credit performance and strategies. You’ll collaborate closely with other Data Analytics, Machine Learning, and Product, and Engineering teams, to spearhead initiatives that support Upstart’s multi-product growth and extend our market leadership in lending.
How you’ll make an impact
Lead the development of data-driven analytics solutions for credit risk, portfolio performance, and investor reporting
Oversee the architecture and development of our data infrastructure, analytics tools, and automated solutions
Collaborate with analysts, data scientists, engineers, and business stakeholders to drive data initiatives
Ensure data integrity, scalability, and compliance with regulatory and investor requirements
Mentor and guide a team of analysts and engineers, fostering a culture of innovation and excellence
Minimum Qualifications
7+ years in data science or engineering, with at least 3 years in a leadership role
Strong SQL and either Python or R skills; experience with data visualization tools (e.g., Mode, Tableau, Looker, Power BI)
Proficiency in working with large datasets, ETL processes, and cloud data platforms (e.g., Databricks, DBT, Airflow)
Deep understanding of credit risk modeling, underwriting, and portfolio performance analysis
Strong ability to mentor teams and drive strategic initiatives
Degree in Economics, Statistics, Engineering, Data Science or other quantitative fields
Preferred Qualifications
Experience with structured finance, securitization, or investor reporting
Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams
Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the West coast time zones.
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 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
United States | Remote - Anticipated Base Salary Range $182,300 — $252,500 USD
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 candidate_accommodations@upstart.com.
https://www.upstart.com/candidate_privacy_policy
#J-18808-Ljbffr
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 Credit & Investor Analytics team is at the forefront of AI/ML-driven credit lending across the organization. Our team employs advanced analytical and technical prowess to deliver comprehensive support in Upstart’s lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on loan performance and forecasting, while the Investor Analytics team plays a pivotal role in securing capital—a critical function that powers our business.
As a Senior Analytics Manager, Technical Lead at Upstart, you will join our Credit & Investor Analytics horizontal team. You’ll take a leadership stance in designing and developing analytics tools, data infrastructure, and analytical frameworks that support insights and decisions concerning credit performance and strategies. You’ll collaborate closely with other Data Analytics, Machine Learning, and Product, and Engineering teams, to spearhead initiatives that support Upstart’s multi-product growth and extend our market leadership in lending.
How you’ll make an impact
Lead the development of data-driven analytics solutions for credit risk, portfolio performance, and investor reporting
Oversee the architecture and development of our data infrastructure, analytics tools, and automated solutions
Collaborate with analysts, data scientists, engineers, and business stakeholders to drive data initiatives
Ensure data integrity, scalability, and compliance with regulatory and investor requirements
Mentor and guide a team of analysts and engineers, fostering a culture of innovation and excellence
Minimum Qualifications
7+ years in data science or engineering, with at least 3 years in a leadership role
Strong SQL and either Python or R skills; experience with data visualization tools (e.g., Mode, Tableau, Looker, Power BI)
Proficiency in working with large datasets, ETL processes, and cloud data platforms (e.g., Databricks, DBT, Airflow)
Deep understanding of credit risk modeling, underwriting, and portfolio performance analysis
Strong ability to mentor teams and drive strategic initiatives
Degree in Economics, Statistics, Engineering, Data Science or other quantitative fields
Preferred Qualifications
Experience with structured finance, securitization, or investor reporting
Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams
Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the West coast time zones.
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 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
United States | Remote - Anticipated Base Salary Range $182,300 — $252,500 USD
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 candidate_accommodations@upstart.com.
https://www.upstart.com/candidate_privacy_policy
#J-18808-Ljbffr