Principal Research Scientist

2 weeks ago

Columbus, Ohio, United States UpStart Full time
About Upstart

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

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

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

As a digital-first organization, most Upstarters work remotely across the United States, although we maintain offices in select locations.


Many team members are drawn to our mission of facilitating access to seamless credit based on accurate risk assessment.

If you are motivated by the potential impact of your work at Upstart, we would be eager to connect with you.

The Team:
Our goal is to broaden access to credit through precise risk evaluation.

The Machine Learning and Growth Partnerships team develops models that inform loan offers on partner platforms, aiming to expand Upstart's user base and drive product growth.

This team plays a vital role in our revenue generation and overall success.


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

You will design and implement features that capture significant signals and predictive patterns from various data sources. You will establish rigorous testing frameworks and methodologies to assess model performance, robustness, and reliability. Collaboration with a diverse group of stakeholders, including ML scientists, engineers, product managers, and growth marketers, will be essential. Your contributions will facilitate cross-functional decision-making and yield measurable outcomes.

Key Responsibilities:

1. Spearhead the research, development, and execution of machine learning models to refine loan offer recommendations 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, contribute to knowledge-sharing initiatives, and cultivate a culture of continuous learning and innovation within the team.

Minimum Qualifications:

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

- A proven track record of 5+ years in applied machine learning, data science, or related fields.

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

- Strong grasp of statistical modeling and model development principles.

Preferred Qualifications:

- Expertise in designing and implementing comprehensive machine learning pipelines, including data preprocessing, feature engineering, model training, and evaluation.

- Experience with large-scale data processing and distributed computing platforms.


- Excellent communication skills, with the ability to effectively collaborate with cross-functional teams and convey complex technical concepts to non-technical stakeholders.

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

- Experience 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 work can be performed remotely.

While the majority of our employees can work from anywhere in the U.S., we encourage high-quality in-person collaboration through regular onsite meetings.

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


What You'll Appreciate:
- Competitive Compensation (base salary + 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 options.

- 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, and ergonomic reimbursement programs.

- Engaging social activities including team events, all-company updates, employee resource groups (ERGs), and interest groups such as book clubs, fitness, investing, and volunteering.

- Catered lunches and snacks when working in offices.

At Upstart, your base salary is just one component of your total compensation package. The anticipated base salary for this position is expected to fall within a specified range, which may vary based on geographic location.

Your actual base salary will depend on your location, skills, experience, and relevant education or training. Further details regarding the specific salary range for your preferred location can be discussed during the hiring process.


In addition, Upstart offers employees target bonuses, equity compensation, and comprehensive benefits packages (including medical, dental, vision, and 401k).

Upstart is proud to be an Equal Opportunity Employer, committed to ensuring that underrepresented groups have better access to affordable credit, and dedicated to embracing diversity and inclusion in our hiring practices.

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

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