Staff Analyst

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 3,000 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, 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

Upstart’s Personal Loans Underwriting and Credit Analytics team is responsible for building, improving, and monitoring Upstart’s core underwriting model. This model powers our decisions on which loans to approve and at what rates, and as such, it is central to the company’s success.

As a Staff Data Analyst at Upstart, you will own the monitoring and reporting of model and credit performance for Personal Loans. This role provides regular visibility to senior leadership and plays a key role in shaping data-driven decisions at the highest levels of the organization.

In addition to owning recurring reporting and performance tracking, this role requires strong analytical curiosity and investigative rigor. You will proactively monitor portfolio and model performance, identify emerging trends, diagnose unexpected outcomes, and ultimately recommend actionable treatments. This role is well-suited for someone who enjoys going beyond standard reporting to conduct deep analytical investigations and drive meaningful business impact.

How you’ll make an impact

Own credit and performance monitoring for the Personal Loans product

Identify performance trends and go deeper to understand root causes and recommend targeted treatments

Perform rigorous statistical analyses to evaluate past experiments and natural experiments

Build and maintain workflows that automate and scale standard reporting

Minimum Qualifications

Master’s degree in a quantitative field (e.g., Statistics, Mathematics, Economics, Finance, Operations Research, Physics, or related field)

Experience with Python and SQL

Strong analytical and first-principles thinking, with the ability to tackle complex and ambiguous problems

Strong communication, presentation, and collaboration skills; especially with the ability to clearly articulate complex analytical concepts to diverse audiences

6+ years of experience in analytics, data science, or a related quantitative field.

Preferred Qualifications

PhD in a quantitative field (e.g., Statistics, Mathematics, Economics, Finance, Operations Research, Physics, or related)