Analyst, Marketplace Pricing

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!

Upstart’s Marketplace Analytics team is a new team coordinating the interplay between supply, demand and pricing in Upstart’s marketplace between borrowers and lenders. Our goal is to optimize the marketplace for all participants. We use rigorous analysis, experimentation, and modeling to understand market dynamics and drive strategic decisions.

As a Staff Analyst on the Marketplace Analytics team at Upstart, you will be a key player in shaping our pricing strategy. You will be responsible for partnering closely with Engineering & Product Management to optimize borrower pricing while ensuring proper marketplace functioning and health. This role requires a unique blend of strong technical skills to design and interpret experiments, coupled with sharp business acumen and systems thinking to understand how pricing decisions impact the broader Upstart ecosystem.

You'll need to move fluidly between deep quantitative analysis and high-level strategic thinking.

• Lead the design, execution, and analysis of pricing experiments (A/B tests) to understand price elasticity and optimize key marketplace outcomes.
• Develop and refine analytical frameworks and models to assess the impact of pricing strategies on borrower demand, lender supply, conversion rates, revenue, and overall marketplace balance.
• Conduct in-depth analyses of market trends, competitor pricing, and user behavior to identify opportunities for pricing improvements.
• Partner cross-functionally with Product Management, Engineering, Data Science, Finance, and Capital Markets teams to develop, implement, and monitor pricing initiatives.
• Translate complex analytical findings into clear, actionable insights and strategic recommendations for stakeholders and leadership.
• Think critically about the end-to-end system, modeling and reasoning about how pricing changes interact with risk assessment, underwriting policies, loan funding mechanisms, and other parts of the business.
• Contribute to the development of data infrastructure and tooling needed for robust pricing analysis and experimentation.

• Minimum requirements:
  • Strong analytical and quantitative background with at least 8+ years of professional experience in analytics, data science, or a related quantitative field.
  • Proven experience in designing, running, and analyzing A/B tests or other experiments.
  • Proficiency in data analysis tools, particularly SQL and Python/R.
  • Experience with BI/visualization tools (e.g., Looker, Tableau, Mode).
  • Degree in a quantitative field such as Economics, Statistics, Mathematics, Engineering, Data Science, Operations Research, or a related area.
  • Excellent problem-solving skills with the ability to tackle complex, ambiguous problems with a structured approach.
  • Strong communication and presentation skills, with the ability to articulate complex analytical concepts to diverse audiences.
  • Demonstrated ability to think critically about business problems and the systems they operate within.
• Preferred qualifications:
  • Experience specifically in pricing analytics, revenue management, or marketplace optimization.
  • Experience in technology, fintech, lending, or two-sided marketplace companies.
  • Experience building predictive models related to demand…