Principal Applied Scientist

🕒 June 3

🇺🇸 United States – Remote

💵 $238.4k - $330.2k / year

⏰ Full Time

🔴 Lead

🧬 Research Scientist

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🚘 Automotive

💼 Consulting

🏥 Healthcare

Automotive • Consulting • Healthcare

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company focuses on revolutionizing lending and credit risk evaluation by leveraging its AI marketplace, which allows for higher approval rates and lower loss rates for Upstart-powered banks and credit unions. Recently, Upstart has expanded its offerings to include automobile refinancing. With a mission to enable effortless credit based on true risk, Upstart is also known for its digital-first lending experience and holds a significant position in the financial services sector.

📋 Description

• Define the technical vision for how offer decisioning systems should interconnect across partnerships, always-on systems, and marketplace optimization • Build and guide conversion modeling approaches that optimize decisions across multiple stages of the customer journey rather than in isolated local steps • Ensure models and decision policies at one stage account for downstream impacts, business constraints, and later-stage optimization opportunities • Design interfaces between decision systems and optimization or constraint-specification components • Drive cross-functional technical alignment across teams that currently own adjacent pieces of the problem • Scope and lead large, ambiguous initiatives that require both deep modeling judgment and strong systems thinking • Partner with scientists, engineers, and cross-functional stakeholders to translate analytical insights into durable production approaches • Help ensure ongoing work across domains progresses toward a unified architecture and decisioning strategy • Contribute directly to implementation and experimentation efforts, including prototyping models, reviewing code, and helping teams operationalize new approaches in production environments.

🎯 Requirements

• Advanced degree in a quantitative field such as statistics, mathematics, economics, computer science, operations research, or a related discipline • 8+ years of experience building and deploying machine learning models into production at scale • Experience with optimization, operations research, or constrained decision-making problems • Working knowledge of causal inference or causal machine learning • Strong grounding in statistics and probability • Experience leading large cross-functional technical initiatives with multiple stakeholders • Experience working across multiple technical teams to align approaches, define interfaces, and move toward a shared vision • Experience solving real-world machine learning or data science problems in a high-impact production environment

🏖️ Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. • Health Savings Account contributions from Upstart for eligible plans (US only) • Income protection benefits, including life insurance and disability coverage for added financial security • Paid time off, sick leave, and company holidays, in line with local requirements • Paid family and parental leave to support caregiving and major life moments (duration varies by country) • Family-centered benefits to support fertility, parenthood, and caregiving needs • Employee Assistance Program (EAP) offering mental health support and life-centered resources • Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) • Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you • Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from • Connection and community through team events, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)