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Senior Applied Scientist

🔥 20 minutes ago

🌐 United States, Canada – Remote

infoinfo

💵 $167.7k - $231.8k / year

⏰ Full Time

🟠 Senior

🧬 Research Scientist

Where this job comes from

Posted on Upstart's careers page, not through a job board

First seen by Remote Rocketship 20 minutes ago

Logo of Upstart

Upstart

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

• Develop and evaluate machine-learning models that predict borrower repayment behavior and other servicing outcomes • Apply causal inference and experimentation to measure the impact of servicing interventions, including loan modifications and payment assistance • Translate model predictions and treatment-effect estimates into practical decision algorithms and actions • Partner with Product and Engineering on payment experiences, autopay, and borrower communications • Partner with Servicing and Collections Operations on collections strategy and agent-performance insights • Identify and develop machine-learning opportunities in servicing areas that have historically relied on manual optimization • Explain analytical choices, tradeoffs, and findings to technical and non-technical partners to inform high-stakes operational and product decisions

🎯 Requirements

• Graduate degree in mathematics, applied mathematics, statistics, physics, econometrics, operations research, computer science, or a related quantitative field • Experience applying causal inference methods and experimentation to real-world decisions in an applied science or data science context • Applied statistics, probability, and experimental-design expertise used to build or evaluate models or interventions • Production-quality coding experience in Python, including data manipulation and algorithm implementation • 2+ years of experience conducting machine-learning, statistical-modeling, or applied quantitative research in an academic or industry setting • PhD in a quantitative field preferred • Experience with payment products or payment experiences preferred • Experience with causal machine-learning methods or treatment-effect modeling preferred • Experience with supervised learning, model evaluation, and feature engineering preferred • Experience taking work from exploratory analysis and experimentation through production model development preferred

🏖️ Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Medical, dental, vision, and wellness resources • Supplemental health coverage for Canada • Health Savings Account contributions for eligible plans (US only) • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Fertility, parenthood, and caregiving benefits • Employee Assistance Program with mental health support and life-centered resources • 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 • Catered lunches and fully stocked micro-kitchens at offices

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