Full-Time

Senior Research Scientist

Confirmed live in the last 24 hours

Upstart

Upstart

1,001-5,000 employees

AI lending marketplace for personal loans

Fintech
AI & Machine Learning
Financial Services

Compensation Overview

$149.8k - $207kAnnually

+ Bonus + Equity Compensation

Senior, Expert

Remote in USA

Available in Columbus, Austin, San Mateo, or Remote.

Category
Applied Machine Learning
AI Research
AI & Machine Learning
Required Skills
Python
Requirements
  • Strong academic credentials with a master's degree in statistics, mathematics, economics, physics, operations research, computer science, or other quantitative areas of study; Ph.D. preferred
  • Programming skills in Python
  • Full-stack expertise with all steps of the modeling process from ideation to productionalizing code; OR deep expertise in either statistical modeling or machine learning
  • Proficiency in a broad array of mathematical, statistical learning and machine learning concepts and applications
  • Knowledge of machine learning, pipelines and engineering architecture
  • Detailed understanding of building good technical solutions; ability to convert ideas into testable hypotheses and/or next steps
  • Ability to meet team standards with respect to quality and velocity with minimal help or direction from peers
  • For more complex tasks, ability to break down problems into smaller tasks, and use them to estimate the timeline of executing a larger initiative. Willingness to make the right tradeoffs when needed to deliver projects on time.
  • Proactively communicate to stakeholders and teammates with ability to contextualize technical results
  • Strong sense of intellectual curiosity balanced with humility, drive and teamwork
  • Numerically-savvy and smart with ability to operate at a speedy pace
  • Enthusiasm for and alignment with Upstart’s mission and values
Responsibilities
  • Productionalizing, deploying and training machine learning models
  • Working alongside a talented team that values curiosity, humility, drive and teamwork

Upstart connects consumers with banks and credit unions through its AI-driven lending marketplace. The platform uses advanced AI models to assess borrower eligibility, allowing lenders to approve more loans at lower rates without bias based on race, age, or gender. Borrowers benefit from a digital-first experience, with over 80% receiving instant approval without needing to provide documentation. Upstart offers various financial products, including personal loans, automotive loans, home equity lines of credit, and small-dollar relief loans. What sets Upstart apart from its competitors is its focus on using AI to enhance the lending process, making it faster and more accessible. The company's goal is to improve access to credit for all consumers while ensuring a fair and efficient lending experience.

Company Stage

IPO

Total Funding

$132M

Headquarters

San Mateo, California

Founded

2012

Growth & Insights
Headcount

6 month growth

0%

1 year growth

-5%

2 year growth

-15%
Simplify Jobs

Simplify's Take

What believers are saying

  • Upstart's partnerships with credit unions expand its reach and customer base.
  • The $2 billion loan acquisition by Blue Owl boosts Upstart's liquidity.
  • Convertible notes issuance supports Upstart's strategic growth and expansion.

What critics are saying

  • Rising interest rates may reduce demand for Upstart's loans.
  • Increased competition from AI lending platforms could erode Upstart's market share.
  • Regulatory scrutiny on AI models may increase compliance costs for Upstart.

What makes Upstart unique

  • Upstart uses AI to assess creditworthiness beyond traditional credit scores.
  • Over 80% of Upstart's borrowers receive instant approval without documentation.
  • Upstart offers diverse financial products, including personal and automotive loans.

Help us improve and share your feedback! Did you find this helpful?