Staff Analyst, Auto

Upstart; United States; Remote; USD 80,000 - 130,000; Full time

Job summary

An innovative digital-first company is seeking a Staff Analyst to join their Auto Analytics team. This role offers the chance to drive impactful analytics and pricing strategies for Retail and Refinance Auto products. As a key player, you will collaborate with finance and credit teams to enhance borrower evaluations and optimize profitability through data-driven insights. With a focus on independent work and executive-level presentations, this position promises a rewarding opportunity to influence a growing portfolio. Join a supportive environment that values collaboration and offers comprehensive benefits, including competitive compensation, wellness programs, and generous leave policies.

Benefits

Competitive Compensation (base + bonus & equity)

Comprehensive medical, dental, and vision coverage

401(k) with 100% company match

Employee Stock Purchase Plan (ESPP)

Life and disability insurance

Generous holiday, vacation, and sick leave

Supportive parental and family care leave

Annual wellness reimbursement programs

Catered lunches and snacks in offices

Social activities and team events

Qualifications

• 5+ years of experience in analytics or finance.
• Strong SQL and Python skills for data analysis.
• Ability to translate complex data into insights.

Responsibilities

• Lead pricing strategy and reporting to optimize profitability.
• Conduct credit analysis to assess borrower creditworthiness.
• Create high-impact executive presentations for strategic recommendations.

Skills

SQL

Python

Data Analysis

Executive Presentations

Education

Bachelor’s Degree

Tools

JSON

Parquet

Job description

The Team:

The Analytics team plays a critical role in enabling data-driven decision-making across Upstart. By leveraging analytical and technical expertise, we support business partners in key areas, including underwriting model analysis, loan performance trends, market opportunity assessments, financial modeling, business intelligence development, and workflow automation.

As a Staff Analyst on the Auto Analytics team, you will drive critical analytics, reporting, and pricing strategies that support the growth of our Retail and Refinance Auto products. You will work cross-functionally with finance, credit, and strategy teams to assess revenue and cost impacts, optimize pricing, and enhance borrower creditworthiness evaluations. This role will have an opportunity to make a meaningful, quantifiable impact on a growing portfolio by proposing and implementing multiple credit and pricing changes.

The ideal candidate for this role has strong technical expertise in SQL, Python, and structured data models (e.g., JSON) and a proven ability to craft executive-level presentations. You should be able to work independently with minimal guidance and effectively translate complex data into actionable insights for senior leadership.

How you’ll make an impact:

• Lead pricing strategy and reporting to optimize profitability while increasing conversion of applications to loans
• Partner with finance to evaluate cost structures and measure revenue/cost impacts of business changes
• Conduct credit analysis to assess borrower creditworthiness and model-driven impacts on conversion
• Develop and maintain SQL, Python, and JSON-based data models to support analytics and reporting needs
• Create high-impact executive presentations to communicate findings and strategic recommendations
• Support various ad hoc analytical projects as needed to drive business performance

Minimum Qualifications:

• 5+ years of experience in analytics, finance, or a related field
• Strong SQL and Python skills for data analysis and reporting
• Strong ability to translate complex data into clear business insights and presentations for executives
• Ability to work independently and proactively in a fast-paced environment
• Bachelor’s Degree

Preferred Qualifications:

• 7+ years of experience in analytics, finance, or a related field
• Experience in credit modeling, pricing strategy, or lending analytics
• Previous experience in the auto lending domain
• Experience with structured data formats (JSON, Parquet, etc.)

What you'll love:

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
• 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Generous holiday, vacation, sick and safety leave
• Supportive parental, family care, and military leave programs
• Annual wellness, technology & ergonomic reimbursement programs
• Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
• Catered lunches + snacks & drinks when working in offices

Location: This role is remote within the U.S.Time Zone Requirements: The team operates across East and West Coast time zones.
Travel Requirements: As a digital-first company, most work can be done remotely. However, employees are encouraged to participate in regular in-person collaboration sessions. Most teams meet once or twice per quarter for 2-4 consecutive days at a time.

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