Full-Time

Staff Data Analyst

Compliance

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

$157k - $217.5kAnnually

+ Bonus + Equity Compensation

Senior, Expert

Company Historically Provides H1B Sponsorship

Remote in USA

Candidates must be based in the United States.

Category
Data Analysis
Data Engineering
Data & Analytics
Required Skills
Redshift
Python
R
SQL
Tableau
Databricks
Looker
Data Analysis
Snowflake
Excel/Numbers/Sheets

You match the following Upstart's candidate preferences

Employers are more likely to interview you if you match these preferences:

Degree
Experience
Requirements
  • 8+ years work experience in increasingly senior analytical roles in technology and finance industry
  • Experience in credit, product or operations analytics, proficient in Python / R, GSheet / Excel, SQL
  • Experience working with large datasets, unstructured data, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, Redshift, Tableau, Mode
  • Experience deriving actionable insights from analysis and analytical storytelling
  • Degree in Economics, Mathematics, Engineering, Data Science or other quantitative fields
Responsibilities
  • Lead and develop analytical capabilities and drive in-depth analyses on servicing and operations.
  • Own building regular business update narratives at the exec level, leveraging data and trends
  • Collaborate with Product and Operations leaders to shape product, process and tech roadmaps, administer A/B tests, monitor results and generate data driven recommendations
  • Build data and analytical foundation for servicing and operations, including data pipelines, self serve reporting
  • Evaluate the organization's compliance reporting requirements and build data infrastructure to enable efficient self service on a regular basis.
Desired Qualifications
  • Experience in coaching and mentoring junior team members on technical subjects
  • Strong experience conducting and evaluating A/B tests, ideally in Financial and/or Operational related fields
  • Ability to craft executive-ready narratives around complex business or operational topics and successfully influence VP+ decision making
  • Demonstrated ability to work collaboratively and in deep partnership with cross-functional teams
  • Demonstrated ability to balance multiple workstreams and priorities; experience influencing up and cross functionally to maximize positive impact to the organization
  • Experience in consumer lending, and knowledge of pre and post origination operations

Upstart connects consumers with banks and credit unions through its AI-driven lending marketplace. The platform uses advanced AI models to assess borrowers' creditworthiness, 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 submit 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 lending process.

Company Size

1,001-5,000

Company Stage

IPO

Total Funding

$132M

Headquarters

San Mateo, California

Founded

2012

Simplify Jobs

Simplify's Take

What believers are saying

  • Recent partnerships with credit unions show growing trust in Upstart's AI models.
  • Blue Owl Capital's $2 billion loan acquisition boosts Upstart's liquidity and investment potential.
  • Convertible notes issuance provides capital for expansion and debt repayment, enhancing stability.

What critics are saying

  • Competition from other AI lending platforms may reduce Upstart's market share.
  • AI model reliance could face regulatory challenges if biases are detected.
  • Economic downturns may increase loan default rates, affecting financial stability.

What makes Upstart unique

  • Upstart uses AI to approve loans instantly, enhancing customer experience.
  • The platform considers non-traditional data like education and work experience for credit decisions.
  • Upstart partners with over 100 banks and credit unions, expanding its lending network.

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Benefits

Health Insurance

401(k) Company Match

Employee Stock Purchase Plan

Life Insurance

Paid Vacation

Parental Leave

Flexible Work Hours

Wellness Program

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

-4%
Stock Titan
Jan 8th, 2025
Sandia Area Federal Credit Union Selects Upstart for Personal Lending

Sandia Area Federal Credit Union selects Upstart for personal lending.

Stock Titan
Dec 4th, 2024
Advia Credit Union Selects Upstart for Personal Lending

Advia Credit Union, a major credit union with $3 billion in assets and nearly 200,000 members across Michigan, Wisconsin, and Illinois, has partnered with Upstart (NASDAQ: UPST) to expand its personal lending services.

Financial Pinnacle
Nov 21st, 2024
DR Bank Chooses Upstart's Small-Dollar Loan Product to Expand Access to Credit

DR Bank chooses Upstart's small-dollar loan product to expand access to credit.

Stock Titan
Nov 13th, 2024
Upstart Raises $425M in Convertible Notes

Upstart Holdings (NASDAQ: UPST) has announced the pricing of a $425 million offering of 1.00% Convertible Senior Notes due 2030 in a private sale to qualified institutional buyers. The notes, with an initial conversion rate of 10.8702 shares per $1,000 principal amount (approx. $91.99 per share), will mature on November 15, 2030. Upstart expects net proceeds of about $414.8 million, intended for general corporate purposes, including potential debt repayment. An additional $75 million option was granted to initial purchasers.

Stock Titan
Nov 13th, 2024
UNCLE Credit Union Selects Upstart for Personal Lending

UNCLE Credit Union selects Upstart for personal lending.

Bloomberg
Oct 10th, 2024
Blue Owl to Buy $2 Billion of Fintech Upstart's Consumer Loans

Blue Owl Capital Inc. has agreed to buy up to $2 billion of consumer installment loans from financial technology lender Upstart Holdings Inc. as part of an effort to push into asset-based finance, according to a statement seen by Bloomberg News.

Stock Titan
Oct 2nd, 2024
MIT Federal Credit Union Selects Upstart for Personal Lending

MIT Federal Credit Union selects Upstart for personal lending.

Upstart
Sep 18th, 2024
Upstart Announces Upsize and Pricing of Offering of $375,000,000 of 2.00% Convertible Senior Notes Due 2029 | Upstart Network, Inc.

SAN MATEO, Calif. --(BUSINESS WIRE)--Sep. 17, 2024-- Upstart Holdings, Inc. (NASDAQ: UPST) today announced the pricing of $375,000,000 aggregate principal amount of Convertible Senior Notes due 2029 (the “notes”) in a private offering (the “offering”) to persons reasonably believed to be qualified

Yahoo Finance
Aug 14th, 2024
AMOCO Federal Credit Union Selects Upstart for Personal Lending

TEXAS CITY, Texas & SAN MATEO, Calif., August 14, 2024-(BUSINESS WIRE)-AMOCO Federal Credit Union (AMOCO), a Texas-based, member-owned cooperative organization with over 106,000 members and over $1.4 billion in assets, has announced a new partnership with Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, to provide personal loans to new and existing members.

Business Wire
Jul 24th, 2024
The Bank of Elk River Selects Upstart for Digital Personal Lending

The Bank of Elk River selects Upstart for digital personal lending.