Financial Analyst

Upstart Inc.•San Mateo, CA

37d•Remote

About The Position

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.

Requirements

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

Nice To Haves

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

Responsibilities

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

Benefits

Competitive Compensation (base + bonus & equity)
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
Employee Stock Purchase Plan (ESPP)
Life and disability insurance
Generous holiday, vacation, sick and safety leave
Supportive parental, family care, and military leave programs
Annual wellness, technology & ergonomic reimbursement programs
Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
Catered lunches + snacks & drinks when working in offices