[Hiring] Applied Scientist @Upstart

Role Description

As an Applied Scientist in the Unsecured Underwriting Machine Learning team at Upstart, you will:

• Research machine learning and statistical approaches that improve the 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 confirm that proposed changes improve decisioning reliably.
• Partner with various engineering teams to support technical reviews, implementation, and deployment.
• Translate research findings into clear recommendations, documented methodologies, and production-ready solutions.

Qualifications

• 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.

Requirements

• PhD in a quantitative field (preferred).
• Knowledge of supervised learning, model evaluation, and feature engineering techniques.
• Experience working with large or complex datasets and translating research concepts into implemented solutions.
• Ability to balance research velocity with analytical rigor, model reliability, and responsible decision-making.
• Strong written and verbal communication skills, with the ability to clearly explain technical concepts and collaborate effectively with cross-functional teams and stakeholders from diverse backgrounds.

Benefits

• 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.