Senior Financial Analyst

Upstart

8d•$105,500 - $145,900•Remote

About The Position

Upstart is a leading AI lending marketplace that partners with banks and credit unions to expand access to affordable credit through technology. The company is digital-first, offering flexibility for employees to work remotely while fostering connection through intentional in-person events. Upstart is seeking individuals who are energized by tackling meaningful problems, innovating with purpose, and motivated by work that truly matters. The FP&A team at Upstart plays a crucial role in shaping business decisions, ensuring financial discipline, and driving the company's financial planning process. This role will focus on the Unsecured Lending organization, a complex and strategically important part of Upstart's business. The Senior Financial Analyst will be responsible for forecasting, business planning, performance analysis, and executive reporting. They will build financial models, translate results into actionable insights, and partner across the organization to support informed decision-making. The ideal candidate is naturally curious, loves data, is skilled in financial modeling and analysis, and is an excellent communicator.

Requirements

Bachelor’s degree in Finance, Economics, Accounting, Statistics or related field, or equivalent practical experience
5+ years of relevant FP&A experience
Advanced proficiency in Excel or Google Sheets, including experience building complex financial models
Experience analyzing large data sets and translating financial and business drivers into recommendations for decision-making
Experience developing financial forecasts, budgets, variance analyses, and financial or operational performance reporting
Proven ability to learn quickly, work independently, manage multiple priorities under tight deadlines, and operate in a fast-paced environment

Nice To Haves

Knowledge of financial planning and accounting systems such as Adaptive Planning, Netsuite, or similar platforms
Experience with BI tools such as Looker, Tableau, or Mode
Familiarity with SQL or a willingness to learn
Experience in fintech, lending, consumer finance, subscriptions, or technology-enabled marketplaces
Ability to communicate complex financial information clearly and collaborate effectively with stakeholders across functions and levels

Responsibilities

Support short- and long-term financial planning, forecasting, and budget management for the Unsecured Lending organization
Develop executive-ready insights and commentary for recurring forecast and business reviews, month-end close, and annual planning
Analyze financial and operational performance, identify emerging trends and risks, and conduct root-cause analysis when results differ from expectations
Provide visibility into key drivers and tradeoffs for operating expenses in partnership with department leads
Improve financial reporting, systems/tooling, and analytical infrastructure to support accurate and scalable decision-making
Partner across FP&A, Accounting, and cross-functional stakeholders to ensure accurate forecasting, reporting, and transparency

Benefits

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Paid family and parental leave to support caregiving and major life moments (duration varies by country)
Family-centered benefits to support fertility, parenthood, and caregiving needs
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 (US Only)
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, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City