Senior Data Scientist

The Team: 

Upstart leverages machine learning to expand access to credit and optimize borrower acquisition through both outbound marketing and partner platforms. By developing advanced models to predict conversion probabilities and optimize loan offers, the ML Growth team enhances marketing efficiency, expands Upstart’s reach, and drives significant revenue impact. These efforts are integral to Upstart’s growth and overall success.

As a Senior Data Scientist, you will develop a deep understanding of our marketing models and their interaction with Upstart’s products. You will tackle diverse challenges, including designing and analyzing A/B tests, modeling price sensitivity, conducting in-depth data analysis to uncover growth opportunities, and building scalable data pipelines and dashboards. Collaborating with ML scientists, engineers, product managers, and growth marketers, your work will drive data-informed decisions and measurable business impact.

How you’ll make an impact

• Design and analyze experiments (A/B tests, causal inference studies) to measure marketing effectiveness and guide business decisions.
• Conduct in-depth data analyses to uncover growth opportunities, assess marketing performance, and inform strategy.
• Collaborate with engineers to build scalable data pipelines that enable efficient data access and analysis.
• Partner with cross-functional teams (ML scientists, engineers, product managers, and growth marketers) to align on priorities and drive measurable business impact.
• Develop dashboards and reporting tools to monitor key metrics, track campaign performance, and ensure visibility into marketing effectiveness.

Minimum Qualifications 

• Advanced degree in Statistics, Mathematics, Economics, Finance, or a related quantitative field.
• 2+ years of experience in data science, analytics, or related fields.
• Strong proficiency in SQL for querying and analyzing large datasets.
• Experience with Python and data analysis libraries.
• Hands-on experience designing and analyzing A/B tests.
• Proven ability to translate complex data insights into business impact and strategic recommendations.

Preferred Qualifications

• Experience in marketing analytics, user acquisition, or pricing optimization.
• Familiarity with direct mail, partner marketing, or other growth channels.
• Knowledge of causal inference methods (e.g., propensity score matching, difference-in-differences).
• Experience collaborating with cross-functional teams including ML scientists, engineers, and marketers.

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones.

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 to still spend high quality time in-person collaborating via regular onsite. 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.

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

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