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:

Machine Learning is at the heart of Upstart’s business model: our models are the product. Our team includes research scientists, data scientists, and machine learning engineers who build and improve production models and the systems around them across the funnel: underwriting and pricing, fraud detection, performance marketing, loan servicing and fair lending/explainability. We tackle high‑impact problems, from underwriting and pricing to monitoring and fairness, where creativity, rigor, and strong engineering directly move the business.

The Role:

As a Research Scientist, you will work on real-world applied machine learning problems. You will contribute to the research, development and deployment of business-critical models across many applications and products. This role covers all subteams at Upstart.

How You’ll Make an Impact:

• Research and develop new machine learning models to enhance the accuracy of predictions across many applications (marketing, pricing, servicing, monitoring & fairness) and products (personal/auto/HELOC loans)

• Design, prototype, and deploy models to production, ensuring robust and scalable implementations.

• Collaborate cross-functionally with engineers, product managers, and to experiment with and optimize models for business outcomes.

• Evaluate the performance of models, interpret their impact on business metrics, and present actionable insights to stakeholders.

• Continuously explore novel algorithms and methodologies to keep Upstart’s ML systems at the cutting edge of technology.

• Mentor junior team members and contribute to the development of a high-quality, production-ready codebase.

Minimum Qualifications:

• Bachelor’s degree in a scientific or quantitative discipline (e.g., Math, Physics, Computer Science, Statistics, Economics, Operations Research).

• 2+ years of experience in Machine Learning or a similar field.

• Proficiency in Python or other programming languages.

• Strong understanding of statistical, probability, and machine learning theory.

• Full-stack expertise in the modeling process from ideation to production, OR deep expertise in either statistical modeling or machine learning.

• Ability to break down complex tasks into smaller steps and make the right tradeoffs to deliver projects on time.

• Ability to communicate technical concepts effectively to non-technical stakeholders.

• Strong sense of intellectual curiosity, humility, and teamwork.

Preferred Qualifications:

• Master’s degree or PhD in a quantitative discipline (e.g., Math, Physics, Economics, Computer Science, Statistics, Operations Research).

• Deep expertise in Python and experience with machine learning frameworks.

• Experience leading or mentoring junior members in a technical team.

• Proficiency in building and deploying machine learning pipelines and engineering architecture.

• Strong critical thinking skills and ability to develop testable hypotheses.

• Proven ability to meet high standards in terms of quality and velocity with minimal direction.

• Ability to use modern agentic tooling (Claude Code, Codex, …) efficiently.

What We’re Looking For:

• Ability to autonomously execute complex tasks, breaking them into smaller milestones to ensure timely delivery.

• Intellectual curiosity, a proactive approach to problem-solving, and strong critical thinking skills.

• Enthusiasm for Upstart’s mission to expand access to credit and a desire to work in a fast-paced, impactful environment.

• Strong sense of teamwork and humility, working collaboratively with colleagues across multiple disciplines.

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!).

Position Location: This role is available in remote locations across the U.S. Team collaboration happens through a mix of remote and in-person sessions, with regular on-site meetings happening 1-2 times per quarter.

At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

• United States | Remote
• Anticipated Base Salary Range**$141,500—$196,000 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 *candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy