Financial Analyst

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 1,800 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 (opening Summer 2026), 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 an integral role in the company’s business and financial planning process. We are seeking a highly motivated and analytical Financial Analyst to support our Emerging Products organization—one of the most dynamic and fast-evolving areas of our business. As a Financial Analyst at Upstart, you will 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. You’ll work at the intersection of data, automation, and finance—improving how we plan, report, and analyze performance. Through your efforts, we’ll be able to ensure the Upstart leadership team stays on top of our financial performance and risks. This is a great opportunity for someone who enjoys building things, thrives on efficiency, and wants to develop deep FP&A skills in a fast-growing environment. How you’ll make an impact Support short- and long-term planning and forecasting with driver-based modeling and ROI analysis; highlight trends, risks, and opportunities to guide action Analyze new-product unit economics and convert findings into concise, actionable recommendations Collaborate cross-functionally to translate assumptions into forecasts, sensitivities, and clear financial implications Create scalable FP&A tools and processes by refining models and automating reporting to improve accuracy, speed, and clarity of insights Partner with Accounting on month- and quarter-end close; reconcile to forecast, analyze variances, and communicate results Deliver executive summaries and monthly financial updates for leaders, and support earnings prep, board/business reviews, and consolidated reporting Minimum Qualifications Bachelor’s degree in Finance, Accounting, Economics, Statistics, or a related quantitative field (or equivalent practical experience) 2+ years of relevant experience Proficiency in Excel/Google Sheets and financial modeling (driver-based, scenario analysis) Strong presentation skills; comfortable communicating with multiple levels of leadership Proven ability to learn quickly, work independently, and adapt in a fast-paced environment Highly organized with the ability to manage multiple priorities and meet deadline Preferred Qualifications Experience with SQL (and/or Python/R) for analysis or report automation Familiarity with BI tools (Looker, Mode, Tableau) Experience with planning software (e.g., Adaptive Insights, Anaplan) Industry exposure to B2C SaaS or lending/fintech Position location This role is available in the following locations: Remote Time zone requirements The 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 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. #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 $82,000—$113,000 USD What you'll love At Upstart, our benefits 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 Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving 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 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 and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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