Applied Scientist: Credit Underwriting AI (Remote)

Aimlroles; Northern (KY); Hybrid; USD 142,000 - 196,000; Full time

Benefits offered by this job

Competitive compensation (base + bonus

Equity grants

401(k) with company match

Health, dental, and vision coverage

Paid time off

Job summary

Upstart is a digital-first lending platform using AI to reshape access to credit. An Applied Scientist on the Unsecured Underwriting ML team researches and implements enhancements to the core underwriting model, translating ideas into scalable improvements through close collaboration with engineering.

You will help increase the pace of research while maintaining rigor, reliability, and responsible oversight required for production underwriting models, influencing credit decisions across millions

Qualifications

• Graduate degree in mathematics, applied mathematics, statistics, physics, econometrics, operations research, computer science, or a related quantitative field.
• 0–2 years of experience conducting machine learning, statistical modeling, or applied quantitative research in an academic or industry setting.
• Experience developing and evaluating machine learning or statistical models using Python.
• Demonstrated knowledge of probability, statistics, and machine learning methods.
• Experience designing experiments or validation analyses to assess model accuracy, reliability, or predictive performance.

Responsibilities

• Research machine learning and statistical approaches that improve the predictive performance of unsecured underwriting models.
• Design, implement, and evaluate model enhancements using rigorous experimentation and validation methods.
• Analyze model performance and downstream effects to confirm that proposed changes improve decisioning reliably.
• Partner with various engineering teams to support technical reviews, implementation, and deployment.
• Translate research findings into clear recommendations, documented methodologies, and production-ready solutions.

Skills

Python programming

Experiment design

Statistics knowledge

ML methods knowledge

Education

Graduate degree in mathematics, applied mathematics, statistics, physics, econometrics, operations research, computer science, or a related quantitative field.

Job description

Upstart is a digital-first lending platform using AI to reshape access to credit. An Applied Scientist on the Unsecured Underwriting ML team researches and implements enhancements to the core underwriting model, translating ideas into scalable improvements through close collaboration with engineering.

You will help increase the pace of research while maintaining rigor, reliability, and responsible oversight required for production underwriting models, influencing credit decisions across millions