Senior Analyst, Small Dollar Loan

The Team

Every year millions of Americans turn to high-cost payday loans to cover short-term cash needs often paying excessive fees and interest. Upstarts Small Dollar Loan product offers a fair-priced non-predatory alternative for those deemed too risky by traditional lenders. Operating like a startup within a larger company our team moves quickly to refine our ML models automate the customer experience and scale the business. Since launching in April 2022 weve expanded access to credit for tens of thousands of customers while proving strong unit economicsand were just getting started.

As a Senior Analyst at Upstart you will play a critical role in driving data-driven decision-making for our Small Dollar Loan product. Partnering with Product Engineering and Data Science youll uncover insights shape strategy and enhance our data infrastructure to optimize product performance. Your work will directly influence Upstarts continued growth ensuring our product evolves to better serve customers while scaling efficiently.

How youll make an impact

• Develop and execute data-driven strategies to guide the growth and evolution of the Small Dollar Loan product.
• Collaborate with Product and GM to shape product roadmaps and business strategies ensuring data-driven decisions at every stage.
• Design build and maintain analytics frameworks that help measure product performance user behavior and loan outcomes.
• Conduct deep-dive analyses and modeling to uncover growth opportunities optimize loan performance and enhance risk strategies.
• Define and implement experimentation strategies (A/B testing causal inference) to improve customer experience and financial outcomes.
• Communicate insights and recommendations effectively to both technical and non-technical stakeholders influencing product and business decisions.

Minimum Qualifications

• 6 years of experience in product analytics data science or a related quantitative role preferably in fintech lending or consumer finance.
• BS in a quantitative field (e.g. Statistics Economics Computer Science Data Science)
• Strong proficiency in SQL and Python (or R) for data analysis modeling and automation.
• Experience with A/B testing causal inference and experimental design to drive product decisions.
• Excellent communication skills with a proven ability to present complex data insights in a clear and actionable manner.

Preferred Qualifications

• Experience working with lending products risk modeling or financial services analytics.
• Understanding of data modeling principles including designing scalable and efficient analytical models
• Ability to influence product engineering and leadership teams through compelling storytelling with data.
• Comfort with ambiguity and a strategic mindset for solving complex unstructured problems.

Position Location - This role is available in the following locations: Remote

Time Zone Requirements - This 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.