Note: The job is a remote job and is open to candidates in USA. Upstart is an AI lending marketplace focused on reducing borrowing costs and complexity for Americans. The Principal Product Analyst will partner with product leadership to drive product strategy through data, lead rigorous experimentation, and execute high-impact behavioral analyses to enhance user experience and product offerings.
Responsibilities
- Drive product strategy through data: Partner closely with Product Management, Engineering, and Design leaders to define success metrics, size new opportunities, and shape the strategic roadmap for our unsecured installment products
- Lead rigorous experimentation: Own the end-to-end A/B testing lifecycle—from hypothesis generation and experimental design to deep-dive analysis and executive readout—to continuously optimize user funnels and product features
- Execute high-impact behavioral analyses: Dive deep into complex user journey data to uncover friction points, retention drivers, and growth levers, translating raw telemetry into actionable product recommendations
- Architect scalable data solutions: Collaborate with Engineering teams to define tracking requirements for new product launches, ensuring high data quality and building intuitive dashboards that empower teams with self-serve insights
- Elevate the analytics culture: Act as a thought leader within the Product Analytics organization by mentoring peers, establishing best practices for analytical rigor, and championing a deeply data-informed culture across Upstart
Skills
- 10+ years of professional experience in product analytics, data science, or a similar quantitative role focused on product optimization and user behavior
- Expert-level proficiency in SQL & strong applied experience with 1+ statistical programming language (Python or R)
- Proven track record of designing, executing, and evaluating A/B tests, with a deep understanding of experimental design, hypothesis testing, and statistical rigor
- Hands-on experience building foundational reporting and interactive dashboards using modern Business Intelligence and data visualization tools (e.g., Looker, Tableau, or similar)
- Master's / PhD in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science)
- Experience working with lending products, risk modeling, or financial services analytics
- Excellent communication skills with a proven ability to present complex data insights in a clear and actionable manner
- Comfort with ambiguity and a strategic mindset for solving complex, unstructured problems
Benefits
- Target bonuses
- Equity compensation
- Generous benefits packages (including medical, dental, vision, and 401k)
- 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 (opening Summer 2026!)
Company Overview
Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is https://upstart.com/about.Company H1B Sponsorship
Upstart has a track record of offering H1B sponsorships, with 14 in 2026, 67 in 2025, 66 in 2024, 84 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role.