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: Upstart’s Personal Loans Underwriting and Credit Analytics team is responsible for building, improving, and monitoring Upstart’s core underwriting model. This machine learning model powers our decisions on which loans to approve and at what rates, directly influencing borrower access to credit, investor returns, and overall company performance. Because underwriting sits at the heart of Upstart’s marketplace, the team’s work is central to the company’s long-term success. As a Staff Data Scientist at Upstart, you will own the monitoring and performance analytics of our Personal Loans underwriting models and credit portfolio. This role provides regular visibility to senior leadership and plays a key role in shaping data-driven decisions at the highest levels of the organization. In addition to leading recurring reporting and performance tracking, this role requires strong analytical curiosity and investigative rigor. You will proactively monitor portfolio and model performance, identify emerging trends, diagnose unexpected outcomes, and recommend actionable treatments. This role is well-suited for someone who enjoys going beyond standard reporting to conduct deep analytical investigations and drive meaningful business impact in a production machine learning environment. How you’ll make an impact - 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 Minimum Qualifications - 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 Preferred Qualifications - 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 Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior 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 $200,000—$276,000 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

Philo: a streaming service for TV and movie lovers At Philo, we’re a group of technology and product people who set out to build the future of television, marrying the best in modern technology with the most compelling medium ever invented — in short, we’re building the TV experience that we’ve always wanted for ourselves. In practice this means leveraging cloud delivery, modern tech stacks, machine learning, and hand-crafted native app experiences on all of our platforms. We aim to deliver a rock solid experience on the streaming basics, while cooking up next generation multi-screen and multi-user playback. Data at Philo Data underpins everything we do at Philo: making informed business decisions; analyzing and improving the quality of our streaming experience; running product experiments to optimize our signup flows and improve user journeys; and making it effortless for our users to find the perfect thing to watch. Philo serves over a billion streams to its users every year, generating a wealth of data that we leverage at all levels of the organization. Philo’s data platform operates at very large scale, processing trillions of events annually in a petabyte-scale data lake and supporting thousands of data workflows and analytical queries that power decision-making across the company. On the Data team, we’re looking for people who are comfortable working on a variety of interesting engagement, content discoverability, experimentation, acquisition, and retention-related data projects across our streaming service. You’ll be working closely with other data scientists, analysts, and engineers to build and deploy solutions directly for our service – this work spans both foundational data platform work like data warehouse architecture, metric governance, and semantic consistency across our entire data stack, as well as insights and modeling work that leverages the platform to deliver business value. In addition, you’ll work with stakeholders in other departments to understand our business needs, build highly reliable and accurate data pipelines that the company can trust, and deliver business-focused data insights to help the entire team thrive. We are passionate about problem-solving and providing data-informed insights for the entire company, using both cutting-edge techniques and proven practices in close collaboration with every department. To complete our work we build on modern open-source tools including dbt, GrowthBook, Robyn, Superset, and PyTorch as well as SaaS tools such as Segment, Redshift, Snowflake, SageMaker, AWS Glue, Mode, Omni, Avo, and BigEye. Some of the recent projects our Data Science team members have worked on include: - Building marketing mix models and multi-touch attribution models to optimize customer lifetime value and predict RoAS (Return on Ad Spend) - Modeling to determine which early product behaviors predict conversion - Running experiments to evaluate and improve our ML-based content recommendation/personalization system - Building data models for analysis of lifecycle marketing communications impact - Modeling to analyze the impact of Quality of Experience events (e.g. rebuffering) on customer engagement and other business metrics. - Data infrastructure engineering work including data warehouse cluster upgrades, per-query infra cost optimization, implementation of Apache Iceberg data storage, and evaluating alternative data warehouse technologies. - Ongoing analytics engineering work to reliably and accurately model complex billing and subscription data, enabling it to be easily queried for business insights. - Price sensitivity research and competitive market analyses The role Philo is seeking a Head of Data to lead and evolve our growing team of Data Scientists, Data Engineers, and Data Analysts – an effective, collaborative and empathetic leader who will help scale the team to meet our evolving data needs. This leader will work with stakeholders across the company to ensure that every department at Philo has the reliable and accurate data required to deliver the data-driven insights we need in order to achieve and exceed our goals as a company. Responsibilities - Own all things data at Philo: ensure that stakeholders at Philo have access to the timely and accurate data driven insights that they need to do their jobs. - Oversee the core data science work executed in cross-functional teams to drive product goals, including product experiments and A/B tests, Growth & Acquisition modeling, and product insights, including customer journey analysis and measuring effectiveness of content search and recommendation systems. - Own the quality and performance of the data platform at Philo, including platform architecture and instrumentation, data collection/processing/validation, data governance, and security and compliance. - Ensure that we are collecting the right data and events, processing them in a scalable and modular way, and building a foundation of reliable data that teams across the company can build insights from. - Collaborate closely with the engineering team and AI/ML engineers to support the development and delivery of Philo’s content recommendation system. - Collaborate closely with data roles in our business and finance teams (business insights, business analysts and financial analysts) to help them build a deep understanding of the Philo business, customers, and content trends. - Manage the data team: train, mentor and coach members of the data team, direct their work and support their career growth; identify the roles we need as we grow and hire fantastic people to fill those roles. Qualifications - 15+ years of experience across analytics, data science, data engineering, or related data functions, with significant proven experience leading multidisciplinary data teams through ambiguity, in both a strategy and personnel management capacity. (Startup experience preferred.) - Strong skills as a hands-on data scientist who can lead by example, including demonstrated understanding of data architecture, statistical modeling in either Python or R (Python preferred), A/B/n experimentation practices, SQL, and experience independently developing data driven insights. Demonstrated ability to train and coach team members in these skills. - Strong written and verbal communication skills; you are a strong communicator who can explain complex trends, data findings and analytical methodology to broad audiences with varying technical backgrounds. - A deep understanding of business priorities and the ability to partner with both technical and non-technical stakeholders. - Experience working in a fast-paced, high-growth startup environment (or ability to adapt to this environment very quickly). - Experience in consumer subscription, streaming, media, ad-supported products, or other event-rich digital businesses is preferred. - Experience with Machine Learning and Deep Learning is a strong plus. More about Philo At Philo, we’re a company that puts people first—both our subscribers and our team. We empower our colleagues to do their best work while supporting one another in pursuing shared goals. We value pragmatism, pride in our work, and passion, with transparency and openness as fundamental parts of our culture. We’re committed to diversity, equity, inclusion, and accessibility as we grow the Philo team and shape the future of TV. We believe that a diverse range of voices and perspectives enables us to innovate faster and create the best experiences for our subscribers. Philo is proud to be an Equal Opportunity Employer. We’re committed to supporting every candidate and employee. If you need an accommodation at any stage of the process, please email recruiting@philo.com and we’ll work with you to meet your needs. Philo offers 70+ top-rated networks, including AMC, BET, CMT, Comedy Central, Discovery Channel, Food Network, Hallmark Channel, HGTV, HISTORY, Investigation Discovery, Lifetime, MTV, Nickelodeon, OWN, VH1, We TV, and more. It also includes all the groundbreaking originals and blockbuster movies available with AMC+ and access to HBO Max Basic With Ads and discovery+. Our service also includes 100+ free channels and premium add-ons like STARZ and MGM+. Our extensive library boasts over 85,000 titles, and our unlimited DVR allows users to save their favorite shows and movies for up to a year, skipping ads for a seamless viewing experience. Stream on up to three devices simultaneously, whether on your phone, tablet, laptop, or TV using Roku, Apple TV, Fire TV, Samsung TV, Android TV, Vizio TV, or Chromecast. Philo is headquartered in San Francisco, with offices in New York City and Cambridge, MA. Our leadership team includes alums from HBO, Tubi, and Meraki, and is backed by NEA and industry partners like Warner Brothers Discovery, Viacom, AMC, and A&E. Join us at Philo and be part of a team that's shaping the future of TV! Status: Full-time Location: San Francisco, CA or remote within the U.S. Compensation: Includes annual salary, company stock options, and health benefits. Salary is determined by experience and location: - San Francisco, New York City: $255K - $300K - Boston, DC Metro, Los Angeles, Seattle: $240K - $285K - Denver, Atlanta, Austin, Las Vegas, Sacramento, Chicago: $225K - $270K - Texas, Florida: $215K - $260K We value a diverse and inclusive workplace and we welcome people of different backgrounds, experiences, skills, and perspectives. Philo is an equal opportunity employer. We believe that everyone does their best work when they are supported by each other and the company, and we offer a generous set of benefits to make sure the Philo team is happy and healthy. Here is a sampling of the benefits we offer our team: - Full health, dental and vision coverage for you and your family - 401(k) plan with employer contributions (we match 100% of deferrals up to 3% of pay and 50% of the next 2% of pay) - Flexible working hours - Up to 20 weeks of fully paid parental leave - Unlimited paid time off for vacation and sick leave - $2,000 annual vacation bonus (we pay you to take a two week vacation) - $5,250 annually for professional development and educational assistance - $1,250 annual home office + TV stipend during first year of employment ($250 annually thereafter) - $500/month ($6,000/year) bonus for employees who commit to working at least 3 days per week in our offices, plus generous commuter benefits ($315/month towards transit, rideshare, bike rental, or parking at our HQ office in San Francisco) - Free Gympass subscription — an all-in-one corporate benefit that gives employees the largest selection of gyms, studios, classes, training and wellness apps - Dog-friendly office - And much more! For California Residents: Philo’s CCPA Notice at Collection – Employees, Applicants, Owners, Directors, Officers and Contractors Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

• Support analytical projects on identifying business opportunities and developing business solutions • Understand business needs and create research and implementation plans using data, statistical models and machine learning techniques • Work closely with cross-functional teams of software engineers, data analysts and product leaders • Identify the right business sources and conduct project work on assigned projects • Perform ad-hoc analyses using statistical and machine learning algorithms to improve business processes • Create monitoring procedures and reports for projects implemented • Retrieve large amounts of structured or unstructured data using advanced data manipulation techniques • Create and improve dynamic reports, graphs, and charts • Establish automated procedures to help reduce cost and improve efficiency • Communicate proactively and clearly with SMEs, EBI, IT, and Management

• Collect, clean, and analyze large structured and unstructured datasets to extract meaningful insights. • Develop and implement machine learning models and predictive algorithms to solve business problems. • Perform exploratory data analysis (EDA) to identify trends, patterns, and correlations. • Design and build data pipelines and workflows for efficient data processing. • Create data visualizations, dashboards, and reports to communicate findings to stakeholders. • Collaborate with cross-functional teams to understand business needs and deliver data-driven solutions. • Validate and optimize models to improve accuracy and performance over time.