Senior Analyst, Upstart
Small Dollar Loan
$157-217.5k
Plus target bonuses, & equity compensation
More information about location
AI lending marketplace
Open for applications
AI lending marketplace
1001+ employees
Open for applications
$157-217.5k
Plus target bonuses, & equity compensation
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 8+ years of experience in product analytics, data science, or a related quantitative role, preferably in fintech, lending, or consumer finance
- BS in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science)
- Strong proficiency in SQL and Python (or R) for data analysis, modeling, and automation
- Experience with A/B testing, causal inference, and experimental design to drive product decisions
- Excellent communication skills with a proven ability to present complex data insights in a clear and actionable manner
Desirable
- Experience working with lending products, risk modeling, or financial services analytics
- Understanding of data modeling principles, including designing scalable and efficient analytical models
- Ability to influence product, engineering, and leadership teams through compelling storytelling with data
- Comfort with ambiguity and a strategic mindset for solving complex, unstructured problems
What the job involves
- As a Staff Analyst at Upstart, you will play a critical role in driving data-driven decision-making for our Small Dollar Loan product
- Partnering with Product, Engineering, and Data Science, you’ll uncover insights, shape strategy, and enhance our data infrastructure to optimize product performance
- Your work will directly influence Upstart’s continued growth, ensuring our product evolves to better serve customers while scaling efficiently
- Lead the development of data-driven strategies to guide the growth and evolution of the Small Dollar Loan product
- Collaborate with Product and GM to shape product roadmaps and business strategies, ensuring data-driven decisions at every stage
- Design, build, and maintain analytics frameworks that help measure product performance, user behavior, and loan outcomes
- Conduct deep-dive analyses and modeling to uncover growth opportunities, optimize loan performance, and enhance risk strategies
- Define and implement experimentation strategies (A/B testing, causal inference) to improve customer experience and financial outcomes
- Communicate insights and recommendations effectively to both technical and non-technical stakeholders, influencing product and business decisions
Our take
Business startups across the world usually seek out funding, but this is often difficult for companies led by millenials. Millennial entrepreneurs with an excellent track record in business are increasingly requiring access to these loans, but their lack of credit history results in proposals frequently being declined.
Upstart provides loans that are aimed towards the target audience of millennials with entrepreneurial intentions, offering low interest rates that average at 12%. The company claims these rates are 10% lower than traditional lenders, and the service aims towards ensuring that the client is subject to no further fees (such as prepayment penalties).
Upstart claims that its unique selling point lies in the fact that its loans are funded the day after approval. Whilst the service focuses on personal loans for business, the company has also expanded to offer loans for car refinancing. Over 2022 and 23, Upstart's stocks fell dramatically and an investigation was undertaken by a law firm representing the company's long-term investors over alleged security law violations by its board of directors. However, the end of 2023 saw a 20% stock value rise for Upstart after its partnership with Mutual Security Credit Union led to a rise in customers, indicating that it is on the up after a difficult two years.
Freddie
Company Specialist at Welcome to the Jungle
Insights
-16% employee growth in 12 months
Company
Funding (last 2 of 6 rounds)
Apr 2019
$50m
SERIES D
Mar 2017
$32.5m
SERIES D
Total funding: $135.7m
Company benefits
- Comprehensive health plans
- 401k Plan
- Life insurance
- Disability insuranc
- Generous vacation policy
- Flexible time off
- Parental leave
- Technology equipment budget
- Personal development budget
- Various clubs and extracurricular activities
- Catered lunches
- Fully-stocked micro-kitchen
Company HQ
South San Mateo, San Mateo, CA
Leadership
David Girouard
(CEO)They started their career at Accenture and Booz Allen & Hamilton before working in Product Management at Apple and Virage. They left their role of 8 years as President of Enterprise at Google to found Upstart in March 2012.
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