• Partner directly with our cross-functional stakeholders on data, metrics & analytics initiatives • Proactively identify and perform data exploration and deep dives to influence future product directions • Develop and validate the appropriate metrics to measure success in the identity space • Improve foundational data models while designing, owning, and implementing analytical layers and visualizations for scalable analytics • Collaborate with the data engineering and data science teams to ensure data quality, integrity, and availability for analysis • Contribute to the excellence of the Netflix analytics engineering community

About Upstart 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. 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 (opening Summer 2026), 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 As a Senior Analytics Engineer at Upstart, you will design and develop robust and scalable data models for analytical stakeholders to empower them to retrieve meaningful insights. Our analytics engineering team is centralized within the company and partners closely with data engineering, data platform, software engineers, ML engineers and cross functional analytics squads to stitch together datasets to create data models that are ready for consumption. In addition to architecting data models, we implement Analytics Engineering best practices around Data Governance, Data Quality, Data Orchestration and pipeline optimization. We enable analysts to think like software engineers by defining, documenting and ensuring adoption of best practices when making contributions to the analytical code-base. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus Time Zone Requirements - The team operates in all US time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses. How you’ll make an impact: - Understand how data is produced and consumed at a deep level - you will need to be extremely collaborative with the teams that produce and consume the data to create an end-to-end solution that maximizes the value of our data - Lead efforts to design data models and build curated data sets that are the foundation of reporting and analytics at Upstart - Collaborate with data engineers and data platform teams to create analytics pipelines - Meet consumers of data where they are by wearing an educator’s hat and training them on how to use BI tools and dashboards - Be a close strategic partner to analytics squads to participate in decision making on the analytics road map for Upstart What we’re looking for: - Minimum requirements: - Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience - Strong understanding of data modeling concepts in both transactional and analytical databases - Proven ability to lead cross-team projects to create data models for analytics/reporting purposes - Excellent communication and collaboration skills, particularly when explaining technical or complex matters to less technical co-workers - Expertise in SQL, Python, and ETL optimization techniques - Preferred qualifications: - Familiarity with business intelligence visualization tools such as Mode, Looker, Tableau, Power BI, etc. - Experience creating curated data models using a data mesh architecture - Experience with cloud computing platforms such as Amazon Web Services (AWS), Azure and/or Google Cloud - Experience with building Looker data models (LookML), analytics engineering frameworks like dbt, orchestration tools like Airflow, schema design, and dimensional data modeling - Thorough understanding of data lake/warehouse architectures (BigQuery, Databricks, Redshift) #LI-REMOTE #LI-Associate 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). United States | Remote - Anticipated Base Salary Range $163,600—$226,400 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: - Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly - Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees - Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose - Health Savings Account contributions from Upstart for eligible plans - Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage - Paid time off, sick and safe time, and company holidays - Paid family and parental leave to support caregiving and major life moments - Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving - 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 - 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 and onsites, all-company updates, and employee resource groups (ERGs) - Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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

• Design and develop robust and scalable data models for analytical stakeholders • Lead efforts to design data models and build curated data sets that are the foundation of reporting and analytics at Upstart • Collaborate with data engineers and data platform teams to create analytics pipelines • Meet consumers of data where they are by wearing an educator’s hat and training them on how to use BI tools and dashboards • Be a close strategic partner to analytics squads to participate in decision making on the analytics road map for Upstart

• Build and manage data pipelines to integrate marketing and CRM data into a single source of truth. • Resolve integration challenges across multiple marketing platforms, tools, and systems. • Simplify complex, cross-channel reporting to support faster, smarter decision-making. • Break down MarTech data silos to uncover end-to-end customer and campaign insights. • Design and optimise predictive lead scoring models using behavioural, demographic, and firmographic data. • Analyse and improve MQL quality by creating data views that highlight fit, intent, and downstream performance. • Develop intent models based on user behaviour to power audience segmentation and personalised campaigns. • Implement advanced attribution and media mix modelling to fine-tune ad spend and boost ROI. • Build smart dashboards and reports that deliver clear, actionable insights to marketing and sales teams. • Partner with Marketing to define and track candidate quality metrics across all channels, supporting long-term engagement and re-engagement strategies.