People Matter

Staff Analyst, HELOC



Posted on Wednesday, January 17, 2024

About Upstart

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.

Upstart is a digital-first company, which means that most Upstarters can live and work anywhere in the U.S. We also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!

The Team

The Analytics team plays the critical role of providing analytical capability across Upstart's organization to enable data-driven decision making. We leverage our analytical and technical skills to support our partners with a multitude of services, some of which include understanding our underwriting models and presenting on trends in our loan performance, analyzing market size opportunities, creating financial models, developing our business intelligence pipeline to enable self-service reporting, and architecting/automating of work processes.

As the Staff Analyst on the Home Analytics team, you will contribute to understanding and driving best practices in onboarding, servicing and collections, presenting on trends in our loan portfolio performance, operations efficiency and customer experience, leading experiment set up and analysis for product improvements, and developing our business intelligence pipeline to enable better decision making. You’ll be responsible for driving understanding, insights and decision making with our Product, Growth, Machine Learning, and Engineering teams.

You are an analytically minded individual with keen product intuitions to guide and answer high-impact product and business questions through intelligent use of data. The product analyst will work closely with the Product Managers and Data Scientists to improve end-to-end user engagement, from application flow, to underwriting and reporting. The ideal candidate will be naturally curious and motivated to discover hidden truths to improve user experience

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones.

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.

How you’ll make an impact:

  • Conduct quantitative analysis to test hypotheses about our users and the way they interact with our product
  • Administer AB tests, monitor results and generate product and business recommendations
  • Build data and analytical foundation for product analytics, including data pipelines and automated reporting
  • Partner with Product and Engineering teams to test and implement product changes
  • Mentor junior team members on best practices and foster a center of excellence on data, analytics,and experimentation

What we’re looking for:

  • Minimum qualifications:
    • 5+ years work experience in increasingly senior analytical roles in technology and finance industry
    • Experience in product or growth analytics, proficient in with Python / R, GSheet / Excel, SQL
    • Experience working with large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, Redshift, Tableau, Mode
    • Experience deriving actionable insights from analysis and analytical storytelling
    • Degree in Economics, Mathematics, Engineering, Data Science or other quantitative fields
  • Preferred qualifications:
    • 3+ years experience developing, conducting, and evaluating A/B tests
    • Experience in coaching and mentoring junior team members on technical subjects
    • Demonstrated ability to craft executive-ready narratives around complex business or performance topics to successfully influence VP+ decision making
    • Demonstrated ability to work collaboratively and in deep partnership with cross-functional teams
    • Experience in consumer lending and/or knowledge of the consumer finance market and capital markets

What you'll love:

  • Competitive Compensation (base + bonus & equity)
  • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
  • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
  • Employee Stock Purchase Plan (ESPP)
  • Life and disability insurance
  • Generous holiday, vacation, sick and safety leave
  • Supportive parental, family care, and military leave programs
  • Annual wellness, technology & ergonomic reimbursement programs
  • Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
  • Catered lunches + snacks & drinks when working in offices



#LI-Internship --> use for internships

#LI-Entry --> use for new graduate roles, L1, L2

#LI-Associate --> use for L3, L4

#LI-MidSenior --> use for L5, L6

#LI-Director --> use for L7

#LI-Executive --> use for L8+

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
$151,800$210,000 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.