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 1,800 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 Team:

Upstart’s Product Analytics team is the compass for our product development, dedicated to transforming complex user behavior and platform data into clear, actionable product strategies. Operating at the intersection of data, engineering, and product management, the team designs rigorous experiments, builds scalable data infrastructure, and uncovers the deep insights that drive continuous innovation and ensure our lending products deliver exceptional value.

As a Principal Product Analyst supporting our unsecured installment products (including Personal Loans, Relief Loans, and Cashline), you will act as a strategic partner to product leadership, owning the analytics roadmap for a core area of Upstart's business. You will champion a culture of experimentation, execute high-impact analyses to decode user journey dynamics, and collaborate seamlessly with Product, Engineering, and Machine Learning teams to translate complex data into scalable, growth-driving product enhancements.

How you’ll make an impact

• Drive product strategy through data: Partner closely with Product Management, Engineering, and Design leaders to define success metrics, size new opportunities, and shape the strategic roadmap for our unsecured installment products.
• Lead rigorous experimentation: Own the end-to-end A/B testing lifecycle—from hypothesis generation and experimental design to deep-dive analysis and executive readout—to continuously optimize user funnels and product features.
• Execute high-impact behavioral analyses: Dive deep into complex user journey data to uncover friction points, retention drivers, and growth levers, translating raw telemetry into actionable product recommendations.
• Architect scalable data solutions: Collaborate with Engineering teams to define tracking requirements for new product launches, ensuring high data quality and building intuitive dashboards that empower teams with self-serve insights.
• Elevate the analytics culture: Act as a thought leader within the Product Analytics organization by mentoring peers, establishing best practices for analytical rigor, and championing a deeply data-informed culture across Upstart.

Minimum Qualifications

• 10+ years of professional experience in product analytics, data science, or a similar quantitative role focused on product optimization and user behavior.
• Expert-level proficiency in SQL & strong applied experience with 1+ statistical programming language (Python or R)
• Proven track record of designing, executing, and evaluating A/B tests, with a deep understanding of experimental design, hypothesis testing, and statistical rigor.
• Hands-on experience building foundational reporting and interactive dashboards using modern Business Intelligence and data visualization tools (e.g., Looker, Tableau, or similar).

Preferred Qualifications

• Master’s / PhD in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science)
• Experience working with lending products, risk modeling, or financial services analytics.
• Excellent communication skills with a proven ability to present complex data insights in a clear and actionable manner.
• Comfort with ambiguity and a strategic mindset for solving complex, unstructured problems.

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 onsites. 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.

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