Data Analyst, Upstart
$108.3-150k
+ Bonus and equity
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$108.3-150k
+ Bonus and equity
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 3+ years in professional experience with demonstrated growth in technology and financial industry
- Experience in credit analytics, valuation, and/or quantitative financial model development with Python, R, & SQL
- Experience in decisioning supported by large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, & Redshift
- Degree in Economics, Statistics, Engineering, Data Science or other quantitative fields
Desirable
- Partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams
- Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker), and to successfully influence and drive C-level decision-making
- Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products
- Experience in coaching and mentoring junior team members on technical subjects
What the job involves
- As an Analyst at Upstart, you will join our Credit Analytics horizontal team, focusing on the risk capital program performance
- You will support workstreams in driving critical insights and decisions concerning credit performance and strategies, and contributing to the long term development in underwriting framework and analytics infrastructure
- The credit forecast pillar manages asset valuation and forecasting pipelines, ensuring continuous feedback loop with product and business roadmaps
- You will be collaborating closely with other Data Analytics, Machine Learning, and Product teams, you will spearhead initiatives that support Upstart’s multi-product growth and extend our market leadership in lending
- Partner with the Data Analytics vertical teams, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics and narratives, financial forecast, and driving consensus in the state of Upstart platform
- Influence Upstart’s credit platform and investor/lending community through informing decisions, opportunities, and risks, while supported by deep understanding and insights on Upstart’s machine learning model, credit, and valuation
- Lead and develop analytics on underwriting decisions, credit monitoring, model impacts, asset forecast, and valuation modeling to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions
- Build foundational forecast models, data pipelines, and automated reporting to enable robust and dynamic credit intelligence for Upstart analyst community
- Collaborate with the analyst community on best practices and foster a center of excellence on data, credit, and analytics
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
Few candidates hear
back within 2 weeks
-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 values
- Every second counts
- Do the right thing even when it's hard
- Make clever use of numbers
- Be smart and know you might be wrong
- Don't assume it can be done
Company HQ
South San Mateo, San Mateo, CA
Articles
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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