Senior Financial Analyst, FP&A

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s FP&A team plays a critical role in shaping business decisions, ensuring financial discipline as products scale, and driving the Company’s business and financial planning process. This role will explain and forecast performance, identify opportunities and risks, and inform financial decisions for the Unsecured Lending organization. Unsecured Lending is a complex and strategically important part of Upstart’s business with multiple products, financial drivers, and performance dynamics to manage across varying stages of maturity. The organization includes Upstart’s biggest product as well as the newest and fastest growing product that introduces a subscription monetization model. As a Senior Financial Analyst at Upstart, you will drive all aspects of FP&A which includes forecasting and business planning, performance analysis, and executive reporting. You will build reliable financial models, translate business and financial results into actionable insights, and partner across the organization to support informed decision-making. If you are naturally curious, love data, are well-versed in financial modeling and analysis, and are an excellent communicator, we’d love to hear from you. How you’ll make an impact Support short- and long-term financial planning, forecasting, and budget management for the Unsecured Lending organization Develop executive-ready insights and commentary for recurring forecast and business reviews, month-end close, and annual planning Analyze financial and operational performance, identify emerging trends and risks, and conduct root-cause analysis when results differ from expectations Provide visibility into key drivers and tradeoffs for operating expenses in partnership with department leads Improve financial reporting, systems/tooling, and analytical infrastructure to support accurate and scalable decision-making Partner across FP&A, Accounting, and cross-functional stakeholders to ensure accurate forecasting, reporting, and transparency Minimum Qualifications Bachelor’s degree in in Finance, Economics,Accounting, Statistics or related field, or equivalent practical experience 5+ years of relevant FP&A experience Advanced proficiency in Excel or Google Sheets, including experience building complex financial models Experience analyzing large data sets and translating financial and business drivers into recommendations for decision-making Experience developing financial forecasts, budgets, variance analyses, and financial or operational performance reporting Proven ability to learn quickly, work independently, manage multiple priorities under tight deadlines, and operate in a fast-paced environment Preferred Qualifications Knowledge of financial planning and accounting systems such as Adaptive Planning, Netsuite, or similar platforms Experience with BI tools such as Looker, Tableau, or Mode Familiarity with SQL or a willingness to learn Experience in fintech, lending, consumer finance, subscriptions, or technology-enabled marketplaces Ability to communicate complex financial information clearly and collaborate effectively with stakeholders across functions and levels Position location This role is available in the following locations: Remote 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 or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Associate 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). United States | Remote - Anticipated Base Salary Range $105,500—$145,900 USD What you'll love At Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: 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 For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy