
Revolutionizing lending with AI-driven insights
Upstart is an AI lending marketplace headquartered in South San Mateo, California, connecting millions of consumers with over 100 banks and credit unions. The company has raised $135.7 million in Series D funding and facilitates billions in loan originations by using advanced AI models to assess cre...
Upstart offers comprehensive health plans, a 401k plan, generous vacation policy, flexible time off, parental leave, and family forming benefits throu...
Upstart fosters a culture focused on leveraging technology to democratize access to credit. With a strong emphasis on AI-driven solutions, the company...

Upstart • United States | Remote
Upstart is hiring a Research Scientist to develop advanced machine learning models that evaluate true risk in lending. You'll work on predictive modeling and innovative algorithms to enhance customer acquisition efforts. This role requires expertise in machine learning and data analysis.
You have a strong background in machine learning and data analysis, with experience in developing models that evaluate risk in financial contexts. You understand the importance of inclusive and fair practices in technology and are motivated by the impact your work can have on expanding access to credit. You thrive in collaborative environments, working closely with cross-functional teams to drive innovative solutions. You are detail-oriented and possess strong analytical skills, enabling you to interpret complex data and derive actionable insights. You are passionate about leveraging technology to solve real-world problems and are eager to contribute to a mission-driven organization.
As a Research Scientist at Upstart, you will be responsible for developing and deploying machine learning models that enhance the lending process. You will collaborate with various teams to create predictive models that improve customer acquisition and revenue generation. Your work will involve analyzing large datasets to identify trends and patterns that inform model development. You will also be tasked with testing and validating models to ensure their effectiveness in real-world applications. Additionally, you will contribute to the continuous improvement of existing models, incorporating new data and insights to refine their accuracy and performance. You will have the opportunity to present your findings and recommendations to stakeholders, influencing strategic decisions within the company.
At Upstart, we offer a flexible remote work environment that allows you to thrive in your role while maintaining a healthy work-life balance. You will be part of a mission-driven team that is dedicated to making a positive impact in the lending industry. We provide opportunities for professional growth and development, encouraging you to expand your skills and knowledge in machine learning and data science. Our culture values collaboration, innovation, and inclusivity, ensuring that every team member feels valued and empowered to contribute to our goals.
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