Senior Analytics Engineer

Upstart•San Mateo, CA

3d•Remote

About The Position

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 Team As a Senior Analytics Engineer at Upstart, you will design and develop robust and scalable data models for analytical stakeholders to empower them to retrieve meaningful insights. Our analytics engineering team is centralized within the company and partners closely with data engineering, data platform, software engineers, ML engineers and cross functional analytics squads to stitch together datasets to create data models that are ready for consumption. In addition to architecting data models, we implement Analytics Engineering best practices around Data Governance, Data Quality, Data Orchestration and pipeline optimization. We enable analysts to think like software engineers by defining, documenting and ensuring adoption of best practices when making contributions to the analytical code-base. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus Time Zone Requirements - The team operates in all US time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

Requirements

5+ year(s) of experience as a Data Engineer / Analytics Engineer / BI Engineer
Strong understanding of data modeling concepts in both transactional and analytical databases
Proven ability to lead cross-team projects to create data models for analytics/reporting purposes
Excellent communication and collaboration skills, particularly when explaining technical or complex matters to less technical co-workers
Expertise in SQL, Python, and ETL optimization techniques

Nice To Haves

Familiarity with business intelligence visualization tools such as Mode, Looker, Tableau, Power BI, etc.
Experience creating curated data models using a data mesh architecture
Experience with cloud computing platforms such as Amazon Web Services (AWS), Azure and/or Google Cloud
Experience with building Looker data models (LookML), analytics engineering frameworks like dbt, orchestration tools like Airflow, schema design, and dimensional data modeling
Thorough understanding of data lake/warehouse architectures (BigQuery, Databricks, Redshift)

Responsibilities

Understand how data is produced and consumed at a deep level - you will need to be extremely collaborative with the teams that produce and consume the data to create an end-to-end solution that maximizes the value of our data
Lead efforts to design data models and build curated data sets that are the foundation of reporting and analytics at Upstart
Collaborate with data engineers and data platform teams to create analytics pipelines
Meet consumers of data where they are by wearing an educator’s hat and training them on how to use BI tools and dashboards
Be a close strategic partner to analytics squads to participate in decision making on the analytics road map for Upstart

Benefits

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 and resources you need to do your best work, no matter where you work from
Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).