Senior Financial Analyst, Upstart

• Bachelor’s degree in in Finance, Economics,Accounting, Statistics or related field, or equivalent practical experience
• 5+ years of relevant FP&A experience
• Advanced proficiency in Excel or Google Sheets, including experience building complex financial models
• Experience analyzing large data sets and translating financial and business drivers into recommendations for decision-making
• Experience developing financial forecasts, budgets, variance analyses, and financial or operational performance reporting
• Proven ability to learn quickly, work independently, manage multiple priorities under tight deadlines, and operate in a fast-paced environment

Desirable

• Upstart’s FP&A team plays a critical role in shaping business decisions, ensuring financial discipline as products scale, and driving the Company’s business and financial planning process
• This role will explain and forecast performance, identify opportunities and risks, and inform financial decisions for the Unsecured Lending organization
• Unsecured Lending is a complex and strategically important part of Upstart’s business with multiple products, financial drivers, and performance dynamics to manage across varying stages of maturity
• The organization includes Upstart’s biggest product as well as the newest and fastest growing product that introduces a subscription monetization model
• As a Senior Financial Analyst at Upstart, you will drive all aspects of FP&A which includes forecasting and business planning, performance analysis, and executive reporting
• You will build reliable financial models, translate business and financial results into actionable insights, and partner across the organization to support informed decision-making
• If you are naturally curious, love data, are well-versed in financial modeling and analysis, and are an excellent communicator, we’d love to hear from you
• Support short- and long-term financial planning, forecasting, and budget management for the Unsecured Lending organization
• Develop executive-ready insights and commentary for recurring forecast and business reviews, month-end close, and annual planning
• Analyze financial and operational performance, identify emerging trends and risks, and conduct root-cause analysis when results differ from expectations
• Provide visibility into key drivers and tradeoffs for operating expenses in partnership with department leads
• Improve financial reporting, systems/tooling, and analytical infrastructure to support accurate and scalable decision-making
• Partner across FP&A, Accounting, and cross-functional stakeholders to ensure accurate forecasting, reporting, and transparency