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About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team:
Upstart’s Credit & Investor Analytics team is at the forefront of AI/ML-driven credit lending across the organization. Our team employs advanced analytical and technical prowess to deliver comprehensive support in Upstart’s lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on loan performance and forecasting, while the Investor Analytics team plays a pivotal role in securing capital—a critical function that powers our business.
As a Senior Analytics Manager, Technical Lead at Upstart, you will join our Credit & Investor Analytics horizontal team. You’ll take a leadership stance in designing and developing analytics tools, data infrastructure, and analytical frameworks that support insights and decisions concerning credit performance and strategies. You’ll collaborate closely with other Data Analytics, Machine Learning, and Product, and Engineering teams, to spearhead initiatives that support Upstart’s multi-product growth and extend our market leadership in lending.
How you’ll make an impact
- Lead the development of data-driven analytics solutions for credit risk, portfolio performance, and investor reporting
- Oversee the architecture and development of our data infrastructure, analytics tools, and automated solutions
- Collaborate with analysts, data scientists, engineers, and business stakeholders to drive data initiatives
- Ensure data integrity, scalability, and compliance with regulatory and investor requirements
- Mentor and guide a team of analysts and engineers, fostering a culture of innovation and excellence
Minimum Qualifications
- 7+ years in data science or engineering, with at least 3 years in a leadership role
- Strong SQL and either Python or R skills; experience with data visualization tools (e.g., Mode, Tableau, Looker, Power BI)
- Proficiency in working with large datasets, ETL processes, and cloud data platforms (e.g., Databricks, DBT, Airflow)
- Deep understanding of credit risk modeling, underwriting, and portfolio performance analysis
- Strong ability to mentor teams and drive strategic initiatives
- Degree in Economics, Statistics, Engineering, Data Science or other quantitative fields
Preferred Qualifications
- Experience with structured finance, securitization, or investor reporting
- Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams
- Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the West coast time zones.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
What you’ll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage
- Personal Development and Technology & Ergonomic Budgets
- Life insurance and disability benefits
- Clubs and Activities (Game Nights, Fitstarters, Superwomen, Book Club, Investing Club, Money Discussions, Photography Club and Basketball teams)
- Generous vacation policy
- 401(k) and Employee Stock Purchase Plan (ESPP)
- Catered lunches + snacks & drinks
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At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com
https://www.upstart.com/candidate_privacy_policy
