Senior Research Scientist

2 weeks ago

Columbus, Ohio, United States UpStart Full time
About Upstart

Upstart is a premier AI lending platform collaborating with financial institutions to enhance access to affordable credit.

By utilizing Upstart's AI-driven marketplace, our partner banks and credit unions can achieve improved approval rates and reduced loss rates across diverse demographics, while providing an outstanding digital-first lending experience for their clients.

A significant portion of Upstart loans are approved instantly and fully automated.

As a digital-first organization, Upstart allows most employees to work remotely from anywhere in the United States, while also maintaining offices in select cities.


Many employees are drawn to Upstart due to our mission of facilitating access to seamless credit based on genuine risk assessment.

If you are passionate about making a difference at Upstart, we encourage you to explore this opportunity.

The Team:
Our objective is to broaden access to credit grounded in authentic risk evaluation.

The Machine Learning and Growth Partnerships team at Upstart develops models that generate loan offers on partner platforms, aiming to expand our user base and drive product advancement.

This team plays a vital role in generating revenue and is essential to Upstart's overall success.


As a Senior Research Scientist within this team, you will be responsible for creating sophisticated Machine Learning models that enhance loan offer recommendations on partner sites.

You will architect and develop features that capture significant signals and predictive patterns from a variety of data sources. You will establish rigorous testing frameworks and methodologies to assess model performance, robustness, and reliability. Collaboration with diverse stakeholders, including ML scientists, engineers, product managers, and growth marketers, will be key to your role. Your contributions will influence cross-functional decision-making and yield measurable outcomes.

How You'll Make an Impact

1. Spearhead the research, development, and deployment of machine learning models to refine loan offer suggestions on partner platforms.

2. Collaborate with cross-functional teams, including product managers, engineers, and data analysts, to identify opportunities and tackle challenges.

3. Employ cutting-edge machine learning techniques to enhance model accuracy and conversion rates.


4. Mentor junior team members, engage in knowledge-sharing initiatives, and cultivate a culture of continuous learning and innovation within the team.

Minimum Qualifications

1. Advanced degree in Computer Science, Statistics, Mathematics, or a related quantitative discipline.

2. A proven history of 5+ years in applied machine learning, data science, or related fields.

3. Proficiency in Python and familiarity with machine learning frameworks (e.g., XGBoost, PyTorch, scikit-learn).

4. Strong grasp of statistical modeling and principles of model development.

Preferred Qualifications

1. Expertise in designing and executing end-to-end machine learning pipelines, including data preprocessing, feature engineering, model training, and evaluation.

2. Experience with large-scale data processing and distributed computing environments.


3. Excellent communication skills, enabling effective collaboration with cross-functional teams and the ability to convey complex technical concepts to non-technical stakeholders.

4. Demonstrated ability to mentor junior team members and provide technical leadership to enhance team performance and growth.

5. Background in the fintech sector.

Position Location
This role is available for remote work.

Time Zone Requirements
The team operates across East and West Coast time zones.

Travel Requirements
As a digital-first organization, most of your responsibilities can be fulfilled remotely.

While employees can live and work from anywhere in the U.S., they are encouraged to engage in high-quality in-person collaboration through regular onsite meetings.

The frequency of these in-person sessions varies by team and role; typically, most teams convene once or twice per quarter for 2-4 consecutive days.


What You'll Love:
1. Competitive Compensation (base + bonus & equity)

2. Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart.

3. 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings.

4. Employee Stock Purchase Plan (ESPP).

5. Life and disability insurance.

6. Generous holiday, vacation, sick, and safety leave.

7. Supportive parental, family care, and military leave programs.

8. Annual wellness, technology & ergonomic reimbursement programs.

9. Social activities including team events and onsite meetings, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering.

10. Catered lunches + snacks & drinks when working in offices.

At Upstart, your base pay is one component of your overall compensation package. The anticipated base salary for this position is expected to fall within a specified range.

Your actual base pay will depend on your geographic location. Individual pay is also influenced by job-related skills, experience, and relevant education or training.

Upstart is a proud Equal Opportunity Employer.

We are committed to ensuring that underrepresented groups receive better access to affordable credit and are equally dedicated to embracing diversity and inclusion in our hiring practices.

We celebrate all cultures, backgrounds, perspectives, and experiences, and recognize that we can only improve together.

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