Principal 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 Growth Analytics team executes on a wide range of end to end analytical problems, drives decision analysis, and develops a deep user understanding across several key marketing channels, including Direct Mail, Partnerships, Email, and Digital (which includes Social, Search, SEO, and others).

As a Principal Analyst, Growth Analytics at Upstart, you will serve as the lead analytics partner for our largest acquisition channel. You will apply advanced analytics and measurement frameworks to equip stakeholders with the insights and data needed to align on and execute strategic initiatives.

In this role, you will collaborate closely with Growth Marketing, Product, Engineering, and Machine Learning teams to drive deep understanding, actionable insights, and data‑informed decision‑making. You will also help shape the data infrastructure that supports borrower acquisition and retention across our platform—fueling Upstart’s growth at the highest levels.

• Partner cross‑functionally with channel owners, product and engineering leaders to set the growth strategy and analytics roadmap for multiple products at Upstart
• Effectively use analytics tools to understand user behavior, funnel performance and the outcome of our growth efforts, and make proactive recommendations on how to grow effectively
• Develop appropriate analytical frameworks to drive better decision‑making, such as attribution, lifetime value, ROI analyses, segmentation, etc.
• Design and conduct quantitative analysis to test hypotheses about our users and the way they interact with our product, and collaborate with partners to prioritize the right problems and opportunities
• Collaborate with analytics engineering and software engineering to continuously uplevel our growth data capabilities, making new data available as the business expands, and accelerate time to insights
• Coach and mentor growth analysts on the team

• Strong analytical and quantitative background with at least 8+ years professional experience, preferably in marketing, growth or product analytics
• Deep expertise in applying analytics and data science techniques to drive impacts in growth and marketing organizations, such as attribution models, customer lifetime values, ROI frameworks, AB testing, etc.
• Proven track record designing and interpreting incrementality experiments, geo‑lift tests, or MMM‑based growth measurement
• Proficiency in data analysis tools (SQL, Python / R, Looker / Mode / Tableau, etc.)
• Degree in Analytics, Data Science, Economics, Engineering, Mathematics or other…