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About Upstart
Upstart 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 you!
The 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 Senior Financial Analyst to support our Emerging Products organization—one of the most dynamic and fast-evolving areas of our business.
As a Senior Financial Analyst at Upstart, you will drive and 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. Through your efforts, we’ll be able to ensure the Upstart leadership team stays on top of our financial performance and risks. If you are naturally curious, love data, versed in financial modeling and analysis, and are an excellent communicator who enjoys collaborating with people with a diverse set of talents, this could be a great opportunity for you.
Position Location - This role is available in the following locations: Remote
Time Zone Requirements - This 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 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.
How you’ll make an impact:
- Act as the finance partner to emerging product teams, leading forecasting, planning, and opex support
- Own the full P&L for emerging products, driving transparency across revenue, margin, and expenses
- Manage opex budgets in partnership with department leads, ensuring alignment and financial discipline
- Collaborate with leadership on strategic planning across product, operations, and marketing
- Conduct financial analysis for new products and develop key metric reporting
- Build dashboards and reports using tools like Looker and Mode in partnership with Analytics to monitor trends and surface insights
- Support month- and quarter-end close in partnership with Accounting, analyzing variances and presenting results
- Deliver executive summaries and monthly budget analysis to vertical and functional leadership
- Contribute to corporate deliverables including earnings prep and business reviews
What we’re looking for:
- Minimum requirements:
- BS/MS Degree in Finance, Economics, Statistics or equivalent practical experience
- Minimum of 5 years of relevant FP&A experiences
- Highly competent in Excel and/or Google Sheets: excellent financial modeling skills and ability to perform complex analyses with big data sets required
- Excellent presentation skills and comfort in communicating with multiple levels of leadership
- Proven ability to learn quickly, work independently, and adapt to change in a fast-paced environment
- Organized and proven ability to juggle multiple tasks while still meeting deadline
- Preferred qualifications:
- Experience with financial planning software such as Adaptive, Anaplan, or Hyperion
- Experience with BI tools such as Looker, Tableau or Mode
- Experience with advanced data analytics tools such as SQL, Python or R
- Previous consumer marketplace lending industry experience
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).
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]
https://www.upstart.com/candidate_privacy_policy
Upstart San Mateo, California, USA Office
Upstart's office in San Mateo is located on the peninsula between San Francisco and the South Bay with easy Caltrain access and proximity to several apartment complexes. The office is close to several shopping donations including an outdoor beer garden.
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