Applied Scientist

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🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – Remote

💵 $141.5k - $196k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

🧬 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

• Research machine learning and statistical approaches to improve predictive performance of unsecured underwriting models • Design, implement, and evaluate model enhancements using rigorous experimentation and validation methods • Analyze model performance and downstream effects to verify reliable improvements to credit decisioning • Partner with engineering teams on technical reviews, implementation, and deployment • Translate research findings into recommendations, documented methodologies, and production-ready solutions • Research and implement enhancements to Upstart’s core unsecured underwriting model

🎯 Requirements

• Graduate degree in mathematics, applied mathematics, statistics, physics, econometrics, operations research, computer science, or a related quantitative field • 0–2 years of experience conducting machine learning, statistical modeling, or applied quantitative research in an academic or industry setting • Experience developing and evaluating machine learning or statistical models using Python • Demonstrated knowledge of probability, statistics, and machine learning methods • Experience designing experiments or validation analyses to assess model accuracy, reliability, or predictive performance • Preferred: PhD in a quantitative field • Preferred: Knowledge of supervised learning, model evaluation, and feature engineering techniques • Preferred: Experience with large or complex datasets and translating research concepts into implemented solutions • Preferred: Ability to balance research velocity with analytical rigor, model reliability, and responsible decision-making • Preferred: Strong written and verbal communication skills and ability to explain technical concepts and collaborate with cross-functional teams

🏖️ Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Comprehensive medical, dental, and vision coverage • Health Savings Account contributions from Upstart for eligible plans (US only) • 401(k) or Group Retirement Savings Plan with company match • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Family-centered fertility, parenthood, and caregiving benefits • Employee Assistance Program (EAP) offering mental health support and life-centered resources • Financial wellness resources, including financial planning tools and financial concierge service (US only) • Annual wellness allowance • Annual productivity allowance for relevant tools and resources • Team events, all-company updates, and employee resource groups (ERGs) • Catered lunches and fully stocked micro-kitchens when working from offices • Regular team onsites and in-person meetings