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Upstart

Our mission is to enable effortless credit based on true risk.

Staff Data Scientist

Data ScientistData ScientistOtherRemoteLeadTeam 1,001-5,000Since 2012H1B SponsorCompany SiteLinkedIn

Location

United States

Posted

100 days ago

Salary

$200K - $276K / year

Seniority

Lead

Postgraduate Degree6 yrs expEnglishNumPyPandasPythonSQL

Job Description

Staff Data Scientist

Upstart

• Lead end-to-end monitoring of underwriting model performance and outcomes, ensuring models are behaving as expected across risk segments and macroeconomic conditions; translate model metrics into clear business implications • Detect shifts in approval rates, loss performance, borrower behavior, or model predictions, and use analytical methods to investigate drivers of change, distinguish signal from noise, and quantify business impact • Apply statistical techniques to assess A/B tests, model launches, and natural experiments, and provide clear recommendations grounded in causal reasoning and quantitative evidence • Develop and maintain automated reporting, monitoring frameworks, and workflows that ensure timely, accurate visibility into model performance at scale

Job Requirements

  • Master’s degree in a quantitative field (e.g., Statistics, Mathematics, Economics, Finance, Operations Research, Physics, or related field)
  • 6+ years of experience in analytics, data science, or a related quantitative field
  • Proficiency in Python (Pandas/Numpy) and SQL
  • Strong analytical and first-principles thinking, with the ability to tackle complex and ambiguous problems
  • Strong communication, presentation, and collaboration skills, with the ability to clearly articulate complex analytical concepts to diverse audiences
  • PhD in a quantitative field (e.g., Statistics, Mathematics, Economics, Finance, Operations Research, Physics, or related)
  • Experience in consumer finance, credit risk, or lending analytics
  • Experience working with production machine learning systems or underwriting models

Benefits

  • 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!).

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