Senior Research Scientist

2 months ago

Remote, Oregon, United States Upstart Full time

About Upstart

Upstart is a leading AI lending marketplace partnering with financial institutions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered financial institutions can have higher approval rates and lower loss rates across demographics, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.

Upstart is a digital-first company, which means that most Upstarters live and work remotely in the United States. However, we also have offices in various locations. Our team is comprised of experts in machine learning, data science, statistical modeling, and risk management. The fundamental goal of our team is to explore new models and new data sets that can improve the accuracy of our risk assessments. With this goal comes near-limitless challenges to tackle, and that is one of the reasons why Upstart is such a unique opportunity.

Servicing Team:

World-class servicing is a win-win. Lenders and investors will participate more in the case of good outcomes; borrowers who pay back have better credit scores and more access to credit; and most importantly, knowing that loans will be serviced in a world-class way, Upstart can approve more borrowers, growing our business and our impact.

Servicing is the core of Upstart's relationship to borrowers, where they will spend 99% of their lives with us. They are also most likely to interact with our team when they're frazzled, distressed, or just plain broke. In this team, you'll balance accountability with compassion, and above all create frictionless, superb experiences. We're asking people to pay us, after all – the least we can do is to make it easy

Ultimately, this team is responsible for not only predicting borrower outcomes, but also shaping them. No companies have solved this problem well, and it has practically infinite upside. The opportunity is breathtaking, and our ML edge could make all the difference.

You will be the second Research Scientist to join our Servicing Machine Learning team. Servicing at Upstart has enormous opportunities, because of lack of historical investments. But also because of lack of historical investment, Servicing needs an experienced hire that is not only independent technically, but can also think through business issues, work with cross-functional teams, and set up Servicing for success in the long run.

Key Responsibilities:

  • Improve Upstart's loan performance using experimentation and machine learning to make optimal loan servicing decisions.
  • Establish a framework for running and evaluating servicing experiments, for example, establishing metrics for evaluating the success of servicing interventions.
  • Work with product, engineering, and operations to ensure our decisioning system and data storage is transparent and provides everything needed for analysis of models and experiments.
  • Build machine learning models to predict risk, for example of probability of rolling from delinquency to charge off.

Requirements:

  • Bachelor's degree in quantitative area of study
  • Understanding of machine learning models and statistical methods
  • Coding proficiency, preferably in Python
  • Excellent quantitative critical thinking skills
  • Excellent communication skills

Preferred qualifications:

  • 4+ years of experience in machine learning or adjacent field.
  • Prior experience leading machine learning or data science initiatives from end-to-end, working with cross-functional stakeholders, and 0-to-1 projects.
  • Advanced degree in quantitative area of study such as statistics, economics, operations research, finance, mathematics, or related field.
  • Consumer lending knowledge and/or experience within an ML-centric technology company is a plus.

What you'll love:

  • Competitive compensation (base + bonus & equity)
  • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
  • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
  • Employee Stock Purchase Plan (ESPP)
  • Life and disability insurance
  • Generous holiday, vacation, sick and safety leave
  • Supportive parental, family care, and military leave programs
  • Annual wellness, technology & ergonomic reimbursement programs
  • Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
  • Catered lunches + snacks & drinks when working in offices

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