Data Analyst - Remote

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 1,800 signals, powering smarter, fairer decisions for millions of customers.

We’re proudly digital-first, giving most Upstarters the flexibility to 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. Whether you work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.

About the Role

The Servicing Analytics team at Upstart plays a critical role in providing analytical capabilities to support our servicing functions, enabling data-driven decision making. As a Staff Data Analyst within this team, you will partner closely with product management, operations, engineering, and machine learning teams to develop insights, optimize recoveries and collections strategies, and enhance data infrastructure. You will lead efforts to identify opportunities through business reviews, design and analyze experiments, and support operational efficiencies. This role is remote, providing flexibility while maintaining a collaborative environment through regular in-person sessions and team interactions.

Responsibilities

• Lead the development of analytical capabilities to support servicing initiatives and drive operational efficiency
• Create and deliver regular executive-level presentations to communicate insights and strategic recommendations
• Design and execute experiments, including A/B tests, to evaluate hypotheses related to user behavior and servicing strategies
• Collaborate with analytics engineering and software engineering teams to enhance data infrastructure and ensure timely access to relevant data
• Develop and maintain business intelligence tools to facilitate reporting and decision-making processes
• Mentor junior analysts, fostering a culture of analytical excellence and innovation
• Partner with cross-functional teams to identify opportunities for process improvements and strategic enhancements

Qualifications

• 8+ years of experience in senior analytical roles within the technology and finance industries
• Strong background in payments, product, or operations analytics
• Proficiency in SQL, Python, and/or R for data analysis
• Experience working with large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, Redshift, Tableau, or Mode
• Degree in Economics, Statistics, Mathematics, Engineering, Data Science, or related quantitative fields
• Exceptional ability to derive actionable insights from complex data and communicate findings effectively

Benefits

• Competitive salary, including base pay, bonuses, and quarterly equity grants
• Generous 401(k) plan with Upstart matching up to $15,000 annually
• Employee Stock Purchase Plan with discounted stock options
• Comprehensive medical, dental, and vision coverage, with Upstart covering 90-100% of costs
• Health Savings Account contributions for eligible plans
• Paid time off, sick leave, safe time, and holidays
• Paid family and parental leave to support caregivers and major life events
• Family-centered benefits through partnerships supporting fertility, parenthood, and caregiving
• Employee Assistance Program offering mental health and well-being resources
• Financial wellness tools, including planning resources and concierge services
• Annual wellness and productivity allowances to support personal and professional growth
• Opportunities for community engagement through team events, onsite visits, and employee resource groups
• Access to onsite perks such as catered lunches and fully stocked kitchens at physical office locations in the Bay Area, Austin, Columbus, and New York City