Principal Product Analyst

The Team

Upstart’s Product Analytics team is the compass for our product development, dedicated to transforming complex user behavior and platform data into clear, actionable product strategies. Operating at the intersection of data, engineering, and product management, the team designs rigorous experiments, builds scalable data infrastructure, and uncovers the deep insights that drive continuous innovation and ensure our lending products deliver exceptional value.

• 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.

• 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 and strong applied experience with one or more statistical programming languages (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 or 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.

Remote

The team operates on the East/West coast time zones.

As a digital first company, the majority of your work can be accomplished remotely. Employees are encouraged to spend high quality time in person collaborating via regular onsite sessions, typically meeting once or twice per quarter for 2-4 consecutive days.

• 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…