Senior Applied Scientist

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, 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 team supports borrowers after loan origination and works to improve outcomes for investors and borrowers. The team is building data-informed approaches across areas such as collections, loan assistance, payment experiences, and borrower communications, with meaningful opportunity to apply machine learning to problems that have often been addressed manually.

As a Senior Applied Scientist on the Servicing team, you will build predictive and causal models and translate their outputs into decisions that improve how loans are serviced. You’ll partner with Product, Engineering, and Servicing and Collections Operations to evaluate interventions and shape data-informed approaches to payment plans, loan modifications, communications, and autopay.

How you’ll make an impact

• Develop and evaluate machine-learning models that predict borrower repayment behavior and other servicing outcomes.
• Apply causal inference and experimentation to measure the impact of servicing interventions, including loan modifications and payment assistance.
• Translate model predictions and treatment-effect estimates into practical decision algorithms and actions.
• Partner with Product and Engineering on payment experiences, autopay, and borrower communications, and with Servicing and Collections Operations on collections strategy and agent-performance insights.
• Identify and develop machine-learning opportunities in servicing areas that have historically relied on manual optimization.
• Explain analytical choices, tradeoffs, and findings to technical and non-technical partners to inform high-stakes operational and product decisions.

Minimum Qualifications

• Graduate degree in mathematics, applied mathematics, statistics, physics, econometrics, operations research, computer science, or a related quantitative field.
• Experience applying causal inference methods and experimentation to real-world decisions in an applied science or data science context.
• Applied statistics, probability, and experimental-design expertise used to build or evaluate models or interventions.
• Production-quality coding experience in Python, including data manipulation and algorithm implementation.
• 3+ years of experience conducting machine-learning, statistical-modeling, or applied quantitative research in an academic or industry setting.

Preferred Qualifications

• PhD in a quantitative field.
• Experience with payment products or payment experiences, such as autopay, recurring payments, or payment plans.
• Experience with causal machine-learning methods or treatment-effect modeling.
• Experience with supervised learning, model evaluation, and feature engineering, especially with large or complex datasets.
• Experience taking work from exploratory analysis and experimentation through production model development while maintaining analytical rigor and model reliability.
• Ability to translate broad servicing or business problems into structured research questions and communicate complex findings as actionable recommendations.

Position location

This role is available in the following locations: Remote — United States.

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 or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

What you'll love

At Upstart, our benefits for full-time employees 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 
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• 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 (US Only)
• 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, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City

For roles based in Canada, please note that we are not currently able to hire in Quebec.

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