Senior Financial Analyst

About the role

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 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital‑first, giving most Upstarters the flexibility to do their best 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. And whether you choose to work primarily from home or collaborate in‑person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s FP&A team plays a critical role in shaping business decisions, ensuring financial discipline as products scale, and driving the Company’s business and financial planning process. This role will explain and forecast performance, identify opportunities and risks, and inform financial decisions for the Unsecured Lending organization. Unsecured Lending is a complex and strategically important part of Upstart’s business with multiple products, financial drivers, and performance dynamics to manage across varying stages of maturity. The organization includes Upstart’s biggest product as well as the newest and fastest growing product that introduces a subscription monetization model.

Responsibilities

• Support short- and long-term financial planning, forecasting, and budget management for the Unsecured Lending organization
• Develop executive-ready insights and commentary for recurring forecast and business reviews, month-end close, and annual planning
• Analyze financial and operational performance, identify emerging trends and risks, and conduct root-cause analysis when results differ from expectations
• Provide visibility into key drivers and tradeoffs for operating expenses in partnership with department leads
• Improve financial reporting, systems/tooling, and analytical infrastructure to support accurate and scalable decision-making
• Partner across FP&A, Accounting, and cross-functional stakeholders to ensure accurate forecasting, reporting, and transparency

Qualifications

Minimum Qualifications

• Bachelor’s degree in Finance, Economics, Accounting, Statistics or related field, or equivalent practical experience
• 5+ years of relevant FP&A experience
• Advanced proficiency in Excel or Google Sheets, including experience building complex financial models
• Experience analyzing large data sets and translating financial and business drivers into recommendations for decision‑making
• Experience developing financial forecasts, budgets, variance analyses, and financial or operational performance reporting
• Proven ability to learn quickly, work independently, manage multiple priorities under tight deadlines, and operate in a fast‑paced environment

Preferred Qualifications

• Knowledge of financial planning and accounting systems such as Adaptive Planning, Netsuite, or similar platforms
• Experience with BI tools such as Looker, Tableau, or Mode
• Familiarity with SQL or a willingness to learn
• Experience in fintech, lending, consumer finance, subscriptions, or technology‑enabled marketplaces
• Ability to communicate complex financial information clearly and collaborate effectively with stakeholders across functions and levels

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP) offering mental health support and life-centered resources
• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
• Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
• Connection and community through team events, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro‑kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City

Pay

Anticipated base salary range: $105,500 - $145,900 USD (actual base pay depends on geographic location, job‑related skills, experience, and relevant education or training)