Senior Data Scientist

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 live and work anywhere in the United States. However, 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: 

Upstart leverages machine learning to expand access to credit and optimize borrower acquisition through both outbound marketing and partner platforms. By developing advanced models to predict conversion probabilities and optimize loan offers, the ML Growth team enhances marketing efficiency, expands Upstart’s reach, and drives significant revenue impact. These efforts are integral to Upstart’s growth and overall success.

As a Senior Data Scientist, you will develop a deep understanding of our marketing models and their interaction with Upstart’s products. You will tackle diverse challenges, including designing and analyzing A/B tests, modeling price sensitivity, conducting in-depth data analysis to uncover growth opportunities, and building scalable data pipelines and dashboards. Collaborating with ML scientists, engineers, product managers, and growth marketers, your work will drive data-informed decisions and measurable business impact.

How you’ll make an impact

• Design and analyze experiments (A/B tests, causal inference studies) to measure marketing effectiveness and guide business decisions.
• Conduct in-depth data analyses to uncover growth opportunities, assess marketing performance, and inform strategy.
• Collaborate with engineers to build scalable data pipelines that enable efficient data access and analysis.
• Partner with cross-functional teams (ML scientists, engineers, product managers, and growth marketers) to align on priorities and drive measurable business impact.
• Develop dashboards and reporting tools to monitor key metrics, track campaign performance, and ensure visibility into marketing effectiveness.

Minimum Qualifications 

• Advanced degree in Statistics, Mathematics, Economics, Finance, or a related quantitative field.
• 2+ years of experience in data science, analytics, or related fields.
…