Senior Research Scientist
1 week ago
About Upstart
Upstart is a pioneering fintech company that leverages artificial intelligence to enhance access to affordable credit for all. By collaborating with banks and credit unions, we aim to achieve higher approval rates and lower loss rates across diverse demographics, while providing a seamless digital lending experience.
As a digital-first company, Upstart offers a flexible work environment, allowing our team members to work from anywhere in the United States. We have offices in multiple locations, fostering a culture of innovation and collaboration.
Individuals are drawn to Upstart due to our mission of enabling effortless credit access based on true risk. If you are passionate about the impact you can make in the AI lending industry, we encourage you to explore this opportunity.
Machine Learning Team Overview
The Machine Learning team at Upstart plays a critical role in the company's success. The team comprises both full-stack applied science professionals and specialists in research, data science, statistical modeling, and machine learning. Their primary objective is to explore new models and datasets to enhance the accuracy of existing models, presenting a range of stimulating challenges to tackle.
Key Responsibilities
- Implementing experiments and machine learning techniques to optimize loan servicing decisions and improve loan performance
- Establishing a framework for running and evaluating servicing experiments, including defining metrics for assessing the success of servicing interventions
- Collaborating with product, engineering, and operations to ensure transparent decisioning systems and data storage for model analysis and experimentation
- Developing machine learning models to predict risk, such as the likelihood of transitioning from delinquency to charge off
Requirements
- Bachelor's degree in a quantitative field
- Understanding of machine learning models and statistical methods
- Proficiency in Python programming
- Strong quantitative critical thinking and communication skills
Preferred Qualifications
- 4+ years of experience in machine learning or related fields
- Prior experience leading end-to-end machine learning projects and collaborating with cross-functional teams
- Advanced degree in statistics, economics, or related quantitative fields
- Knowledge of consumer lending and experience in ML-centric technology companies is a plus
What You'll Enjoy
- Competitive compensation including base salary, bonus, and equity
- Comprehensive medical, dental, and vision coverage with HSA contributions
- 401(k) with company match, ESPP, life and disability insurance
- Generous leave programs including holiday, vacation, and sick leave
- Wellness and technology reimbursement programs
- Social activities and employee resource groups
- Catered lunches and snacks at the office
Upstart offers a dynamic and rewarding work environment where you can contribute to groundbreaking initiatives in the AI lending industry. This position provides an opportunity to make a significant impact while working alongside a dedicated team of professionals.
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