Senior Applied Scientist, Unsecured Underwriting — Remote

Upstart; United States; Remote; USD 200,000 - 276,000; Full time

Benefits offered by this job

Health insurance

401k

ESPP

Job summary

Upstart is seeking an Applied Scientist for its Unsecured Underwriting Machine Learning team. You will research and implement enhancements to the core unsecured underwriting model, influencing credit decisioning while maintaining rigor and reliability across production systems.

Role involves pursuing ML research, evaluating models, and partnering with engineering to translate ideas into scalable solutions. This is a remote-friendly position across the US/Canada with collaboration across teams.

Qualifications

• Graduate degree required in a quantitative field.
• 2+ years of experience in ML, statistics, or applied quantitative research.
• Experience developing and evaluating ML/statistical models using Python.
• Knowledge of probability, statistics, and ML methods.
• Experience designing experiments/validation analyses to assess model performance.

Responsibilities

• Research ML and statistical approaches to improve predictive performance of unsecured underwriting models.
• Design, implement, and evaluate model enhancements with rigorous experimentation.
• Analyze model performance and downstream effects to ensure reliable decisioning.
• Partner with Engineering teams for reviews, implementation, and deployment.
• Translate research findings into clear recommendations and production-ready solutions.

Skills

Machine learning

Statistics

Python

Experiment design

Research

Education

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

Job description

Upstart is seeking an Applied Scientist for its Unsecured Underwriting Machine Learning team. You will research and implement enhancements to the core unsecured underwriting model, influencing credit decisioning while maintaining rigor and reliability across production systems.

Role involves pursuing ML research, evaluating models, and partnering with engineering to translate ideas into scalable solutions. This is a remote-friendly position across the US/Canada with collaboration across teams.