About Upstart
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, 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 across our Analytics team, Finance org, ML teams, and across the wider Product org to drive Upstarts product innovation and growth.
How you’ll make an impact:
- Own and define the Personal Loans’s end-to-end data narrative and leverage it to influence strategic growth, risk, and marketplace decisions with senior leadership.
- Design, implement, and govern the core revenue decomposition models, KPIs, and reporting infrastructure that standardize how the Personal Loans business measures health and identifies high-impact opportunities.
- Translate complex analytical findings into compelling, concise data stories for executive review (e.g., MBRs/WBRs), proactively closing knowledge gaps and pushing for change in overall business strategy.
- Conduct deep-dive analyses and modeling to identify significant optimization and growth opportunities, effectively prioritizing efforts.
- Demonstrate technical ownership by building analytical Proof-of-Concepts (POCs) and partnering with Analytics Engineering to productionalize and automate high-value pipelines and workflows.
Minimum qualifications:
- Strong analytical and quantitative background with at least 8+ years of professional experience in analytics, data science, or a related quantitative field.
- Proficiency in data analysis tools, particularly SQL and Python/R.
- Experience with BI/visualization tools (e.g., Looker, Tableau, Mode).
- Excellent problem-solving skills with the ability to tackle complex, ambiguous problems with a structured approach.
- Strong communication and presentation skills, with the ability to articulate complex analytical concepts to diverse audiences.
- Demonstrated ability to think critically about business problems and the systems they operate within.
Preferred qualifications:
- Master’s / PhD in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science)
- Experience in technology, fintech, lending, or two-sided marketplace companies.
- Proven ability to influence strategic decisions through data-driven insights and narratives, especially at the leadership level.
- Experience collaborating effectively with Finance teams and executive level stakeholders
Position Location - This role is available in the following locations: Remote, San Mateo, Columbus
Time Zone Requirements - This team operates on the East/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 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.
#LI-REMOTE
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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).
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
- Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
- Health Savings Account contributions from Upstart for eligible plans
- Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
- Paid time off, sick and safe time, and company holidays
- Paid family and parental leave to support caregiving and major life moments
- Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service
- Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
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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