Financial Analyst

About UpstartUpstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from youThe Team:  Upstart’s FP&A team plays an integral role in the company’s business and financial planning process. We are seeking a highly motivated and analytical Financial Analyst to support our Emerging Products organization—one of the most dynamic and fast-evolving areas of our business. As a Financial Analyst at Upstart, you will support all aspects of FP&A which includes in-depth financial and business planning, collaborating with business leaders across the company, and driving analyses for business and strategic cases. You’ll work at the intersection of data, automation, and finance—improving how we plan, report, and analyze performance. Through your efforts, we’ll be able to ensure the Upstart leadership team stays on top of our financial performance and risks.  This is a great opportunity for someone who enjoys building things, thrives on efficiency, and wants to develop deep FP&A skills in a fast-growing environment. How you’ll make an impact Support short- and long-term planning and forecasting with driver-based modeling and ROI analysis; highlight trends, risks, and opportunities to guide action Analyze new-product unit economics and convert findings into concise, actionable recommendations Collaborate cross-functionally to translate assumptions into forecasts, sensitivities, and clear financial implications Create scalable FP&A tools and processes by refining models and automating reporting to improve accuracy, speed, and clarity of insights Partner with Accounting on month- and quarter-end close; reconcile to forecast, analyze variances, and communicate results Deliver executive summaries and monthly financial updates for leaders, and support earnings prep, board/business reviews, and consolidated reporting Minimum Qualifications  Bachelor’s degree in Finance, Accounting, Economics, Statistics, or a related quantitative field (or equivalent practical experience) 2+ years of relevant experience Proficiency in Excel/Google Sheets and financial modeling (driver-based, scenario analysis) Strong presentation skills; comfortable communicating with multiple levels of leadership Proven ability to learn quickly, work independently, and adapt in a fast-paced environment Highly organized with the ability to manage multiple priorities and meet deadline Preferred Qualifications Experience with SQL (and/or Python/R) for analysis or report automation Familiarity with BI tools (Looker, Mode, Tableau) Experience with planning software (e.g., Adaptive Insights, Anaplan) Industry exposure to B2C SaaS or lending/fintech   Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones.  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 but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ 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:  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   #LI-REMOTE #LI-Associate  At Upstart, your base pay is one part of your total compensation package.  The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$82,000—$113,000 USD