Principal Data Scientist

OhioX; Northern (KY); Remote; USD 182,000 - 253,000; Full time

Benefits offered by this job

401(k) match

Equity

Wellness stipend

Paid time off

Job summary

Upstart, a leading AI lending marketplace, seeks a Principal Data Scientist for its Product & Growth Analytics team. This remote role shapes strategic product decisions through forecasting, causal inference, and end-to-end analyses across product, marketing, and finance.

You will own experiments and build modeling tools, translating complex questions into actionable insights while partnering with ML teams. You’ll influence without direct authority, drive cross-functional collaboration, and

Qualifications

• 8+ years in data science or quantitative roles with impact on product or business strategy.
• Master experimental design and A/B testing.
• Deep statistical expertise including causal inference methods.
• Strong coding skills.
• Experience translating data into actionable business decisions for non-technical stakeholders.
• Ability to shape direction in ambiguous environments.
• Excellent communication and storytelling skills.
• Exposure to ML applications and collaboration with ML teams.
• Familiarity with personalization or matching algorithms.

Responsibilities

• Identify gaps and questions; set the agenda and drive analytical strategy.
• Partner with leaders across product, finance, and ML to explain complex problems.
• Design, build, and own forecasting, spend allocation, attribution models, and incrementality analyses.
• Design and execute experiments with end-to-end ownership from hypothesis to results.
• Build metrics frameworks to guide optimization and decision-making.
• Collaborate with ML teams to tackle high-complexity challenges.
• Translate business problems into clear analytical frameworks.
• Own work end-to-end and drive organizational change based on insights.

Skills

Data science

Experiment design

Causal inference

Statistics

Coding

Cross-functional

Communication

ML collaboration

Personalization

Tools

Python

SQL

Spark

Job description

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 3,000 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, 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 Product & Growth Analytics team drives strategic insights and evidence-based decision-making across our expanding portfolio of credit products. Our team works at the intersection of product strategy, data science, and business impact, partnering with product leaders, the ML organization, and finance to shape how Upstart evolves its offerings and delivers value to borrowers and banking partners.

We're entering a new chapter. As Upstart expands into subscription-based products, we need to rethink how we approach data science and analytics from the ground up. This requires people who don't just answer questions, but ask the right ones first. People who dive into ambiguity, surface what matters, and guide the business toward smarter decisions.

As a Principal Data Scientist, you'll be a strategic thought partner to product, marketing, finance, and ML leaders, helping them optimize the decisions in their domains. You'll combine deep technical expertise with the judgment to know which problems merit rigorous experimentation, which require causal inference, and which first demand foundational business understanding. You will additionally build out technical tools to improve our understanding of the business, with examples including forecasting models, spend allocation optimization, marketing incrementality, and attribution models.

How you'll make an impact

• Shape strategic direction by identifying the gaps and questions others miss. You're not waiting for orders; you're setting the agenda.
• Be a thought partner to leaders across product, finance, and ML. You help them understand complex problems from first principles and define what actually matters.
• Design, build, and own tools that are leveraged across the team, such as models for forecasting change, optimizing spend allocation, marketing incrementality, and attribution.
• Design and execute experiments, from classic A/B tests to complex causal inference analyses, with full ownership of hypothesis development, experiment design, and results interpretation.
• Build metrics frameworks and measurement strategies, helping stakeholders understand what to optimize for and why.
• Collaborate with our ML organization on high-complexity technical challenges, bringing statistical rigor and causal reasoning to our work.
• Translate ambiguous, multifaceted business problems into clear frameworks that guide decision-making.
• Take ownership of your work end-to-end: from scoping the question, to analysis, to storytelling, to driving organizational change based on insights.
• Influence without direct authority across engineering, product, finance, and executive leadership, creating clarity and alignment where understanding is incomplete.

Minimum Qualifications

• 8+ years of experience in data science or quantitative roles with direct impact on product or business strategy.
• Demonstrated mastery of experimental design and A/B testing
• Deep statistical expertise, including causal inference methods.
• Strong coding skills.
• Track record of partnering with non-technical stakeholders to translate data into actionable business decisions, not just delivering analyses.
• Comfort operating in ambiguous environments where the right questions aren't predetermined, and the ability to shape direction through thoughtful inquiry.
• Exceptional communication skills, demonstrated ability to move fluidly between strategic questions and tactical details, and excellence in translating complex technical bodies of work into clear narratives.
• Exposure to ML applications and ability to partner effectively with ML/data science teams on technical challenges.
• Familiarity with personalization, recommendation systems, or matching algorithms.

Preferred Qualifications

• Experience with at least one of the following is highly preferred: forecasting, spend allocation optimization, marketing incrementality, or attribution.

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 do 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.

United States | Remote - Anticipated Base Salary Range

$182,300 - $252,500 USD

What you'll love

At Upstart, our benefits for full-time employees 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
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• 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 (US Only)
• 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, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City

For roles based in Canada, please note that we are not currently able to hire in Quebec.

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 [e-mail]

https://www.upstart.com/candidate_privacy_policy