Principal Product Analyst

About the role

The Principal Product Analyst supporting Upstart's unsecured installment products (including Personal Loans, Relief Loans, and Cashline) will act as a strategic partner to product leadership, owning the analytics roadmap for a core area of Upstart's business. This role will drive product strategy through data, lead rigorous experimentation, execute high-impact behavioral analyses, architect scalable data solutions, and elevate the analytics culture.

Responsibilities

• Partner closely with Product Management, Engineering, and Design leaders to define success metrics, size new opportunities, and shape the strategic roadmap for our unsecured installment products.
• Own the end-to-end A/B testing lifecycle—from hypothesis generation and experimental design to deep-dive analysis and executive readout—to continuously optimize user funnels and product features.
• Dive deep into complex user journey data to uncover friction points, retention drivers, and growth levers, translating raw telemetry into actionable product recommendations.
• Collaborate with Engineering teams to define tracking requirements for new product launches, ensuring high data quality and building intuitive dashboards that empower teams with self-serve insights.
• Elevate the analytics culture by acting as a thought leader within the Product Analytics organization, mentoring peers, establishing best practices for analytical rigor, and championing a deeply data-informed culture across Upstart.

Requirements

• 10+ years of professional experience in product analytics, data science, or a similar quantitative role focused on product optimization and user behavior.
• Expert-level proficiency in SQL & strong applied experience with 1+ statistical programming language (Python or R).
• Proven track record of designing, executing, and evaluating A/B tests, with a deep understanding of experimental design, hypothesis testing, and statistical rigor.
• Hands-on experience building foundational reporting and interactive dashboards using modern Business Intelligence and data visualization tools (e.g., Looker, Tableau, or similar).

Preferred Qualifications

• Master’s / PhD in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science).
• Experience working with lending products, risk modeling, or financial services analytics.
• Excellent communication skills with a proven ability to present complex data insights in a clear and actionable manner.
• Comfort with ambiguity and a strategic mindset for solving complex, unstructured problems.