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 (opening Summer 2026), 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 Role

As an Applied Scientist Intern, you will become a specialist in our models, products, business and/or codebase. You will identify potential problems or opportunities for improvement, communicate these to the team and suggest solutions. This involves self-directed investigation, offline analyses using creative thinking as well as presentation to the ML team. You will receive mentorship from experienced ML practitioners and collaborate closely with the team to improve our products and models.

How you’ll make an impact

• Research machine learning and statistical approaches to discover improvements to the predictive performance and/or business value of a model.
• Design, implement, and evaluate model, product, or technical enhancements using rigorous experimentation and validation methods.
• Translate research findings into clear recommendations, documented methodologies, and production-ready solutions.
• Work with your mentor to align stakeholders, and drive next steps.

Minimum Qualifications

• Bachelor. Masters or PHD degree in mathematics, statistics, physics, econometrics, computer science, or a related quantitative field. On track to graduate by 2028.
• Strong fundamentals in statistical, probability, and machine learning theory.
• Ability to perform data analysis and evaluate machine learning or statistical models using Python, as well as basic SQL foundations.
• Intellectual curiosity, humility, drive and teamwork.
• Strong communication skills.
• Ability to use modern agentic tooling (Claude Code, Codex, …) efficiently.

Preferred Qualifications

• Phd in mathematics, statistics, physics, econometrics, computer science, or a related quantitative field. On track to graduate by the summer of 2028.
• Experience in supervised learning, model evaluation, and feature engineering techniques.
• Advanced statistical (frequentist, bayesian, causal) theory/econometrics knowledge.
• Strong coding skills in Python.

Position location This role is Fully 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 to still spend high quality time in-person collaborating via regular onsites. To this end, over the course of the internship, you will meet to collaborate once or twice, for 2-4 consecutive days at a time.

What you'll love:

• UHC High Deductible Health Plan (HDHP) for comprehensive medical coverage

• Health Savings Account (HSA) with employer funding of $800 for employee-only coverage or $1,600 when covering dependents

• Medical opt-out credit of $150 per month if the health plan is waived

• Guardian Dental

• Guardian Vision Base

• Short-term and long-term disability coverage; auto-enrolled

• Basic Life and Accident Insurance; auto-enrolled

• Limited Purpose Flexible Spending Account (LFSA)

• Dependent Care Flexible Spending Account (DCFSA)

• Pre-tax commuter benefits

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