Remote Staff Data Scientist, Credit Analytics

OhioX; Columbus, Austin, San Francisco (OH, TX, CA); Hybrid; USD 167,000 - 231,000; Full time

Benefits offered by this job

Bonuses

Equity

Medical/Dental/Vision

401k

Job summary

Upstart is seeking a Staff Data Scientist for our Personal Loans Underwriting and Credit Analytics team. You will own monitoring, reporting, and performance analysis of the underwriting model that drives loan approvals and rates.

You will present insights to senior leadership and shape data-driven decisions across the organization. The role emphasizes investigative analytics, routine reporting, and building scalable workflows to automate insights.

Qualifications

• Master’s degree in a quantitative field (Statistics, Mathematics, Economics, Finance, OR, Physics, etc.).
• 6+ years of experience in analytics, data science, or a related quantitative field.
• Strong analytical and first-principles thinking; ability to tackle complex problems.
• Strong communication, presentation, and collaboration skills; ability to clearly articulate analytical concepts to diverse audiences.

Responsibilities

• Monitor credit and performance for Personal Loans; own reporting and performance tracking.
• Provide regular visibility to senior leadership; influence data-driven decisions at the highest level.
• Automate and scale standard reporting; conduct deep analytical investigations to drive business impact.
• Identify trends and diagnose unexpected outcomes; recommend actionable treatments.

Skills

Python

SQL

Analytical thinking

Communication

Education

Master’s degree in a quantitative field

PhD in a quantitative field

Job description

Upstart is seeking a Staff Data Scientist for our Personal Loans Underwriting and Credit Analytics team. You will own monitoring, reporting, and performance analysis of the underwriting model that drives loan approvals and rates.

You will present insights to senior leadership and shape data-driven decisions across the organization. The role emphasizes investigative analytics, routine reporting, and building scalable workflows to automate insights.