Staff Data Analyst, Servicing

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 Servicing Analytics team plays a critical role of providing analytical capability for Upstart's servicing functions to enable data driven decision making. We leverage our analytical and technical skills to support our partners with a multitude of services.

As the Staff Data Analyst on the Servicing Analytics team, you will play a pivotal role in influencing Upstart’s success. Partnering closely with our Servicing product management, operations, engineering, and ML teams, you’ll work directly with key stakeholders, helping drive understanding, insights, decision making, and data infrastructure relating to the development, optimization, and enhancement of our recoveries and collections strategy. You’ll contribute to key areas such as identifying areas of opportunity via business reviews with leaders and product experiments, and driving operational efficiency. This role involves conducting in depth analyses, building business intelligence pipelines, designing A/B tests, and collaborating with cross functional teams to drive impacts.

How you’ll make an impact

Lead the development of analytical capabilities to support servicing initiatives and drive efficiency improvements.

Create regular executive level presentations to communicate findings and strategic recommendations.

Design experiments and conduct quantitative analysis to test hypotheses about our users and the way they interact with our servicing initiatives, and collaborate with partners to prioritize the right problems and opportunities.

Collaborate with analytics engineering and software engineering to continuously up level our servicing data capabilities, making new data available as the business expands, and accelerate time to insights.

Develop and maintain business intelligence tools to support reporting and decision making.

Mentor junior team members while fostering a culture of excellence in data and analytics, positioning the team as a hub of expertise and innovation.

Minimum Qualifications

8+ years work experience in increasingly senior analytical roles in technology and finance industry

Strong background in payments, product, or operations analytics, with hands on proficiency in SQL, Python and/or R

Exceptional track record of deriving actionable insights from analysis and analytical storytelling

Experience working with large datasets, unstructured data, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, Redshift, Tableau, Mode

Degree in Economics, Statistics, Mathematics, Engineering, Data Science or other quantitative fields, providing a solid grounding in analytical and problem solving skills essential for success

Preferred Qualifications

Strong analytical and quantitative background with experience in conducting and evaluating A/B tests, ideally in Financial and/or Operational related fields

Expertise in consumer lending, and knowledge of post origination servicing and/or operations

Skilled at crafting executive ready narratives around complex business topics and successfully influence VP+ decision making

Demonstrated ability to work collaboratively and in deep partnership with cross functional teams

Demonstrated ability to balance multiple workstreams and priorities; experience influencing up and cross functionally to maximize positive impact to the organization

Experience in coaching and mentoring junior team members on technical subjects

Position location

This role is available in the following locations: 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 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.

United States Remote - Anticipated Base Salary Range

$157,000—$217,500 USD

What you'll love

At Upstart, our benefits are designed to support your health, financial well being, family, and personal growth. Here’s what you can expect:

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly

Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year

Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees

Affordable medical, dental, and vision coverage, with multiple plan options – Upstart covers 90% to 100% of the cost depending on the plans you choose

Health Savings Account contributions from Upstart for eligible plans

Income protection benefits, including company paid Basic Life, AD&D, and Short and Long Term Disability coverage, with options to purchase supplemental coverage

Paid time off, sick and safe time, and company holidays

Paid family and parental leave to support caregiving and major life moments

Family centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving

Employee Assistance Program (EAP) offering mental health support and life centered resources

Financial wellness resources, including access to financial planning tools and a financial concierge service

Annual wellness allowance to support your physical and emotional well being and personal development, based on what matters most to you

Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from

Connection and community through team events and onsites, all company updates, and employee resource groups (ERGs)

Onsite perks, including catered lunches and fully stocked micro kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre employment testing, or otherwise participating in the employee selection process, please email

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Full Time