Staff Analyst, Competitive Pricing

Upstart•San Mateo, CA

9h•Remote

About The Position

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s Marketplace Analytics team coordinates the interplay between supply, demand and pricing in Upstart’s marketplace between borrowers and lenders. Our goal is to optimize the marketplace for all participants As the Staff Analyst on our Marketplace Analytics team you will be the Competitive Pricing Lead, and will be the definitive expert on how Upstart’s pricing sits within the broader landscape. You won't just manage data; you will own the program that defines our price-competitiveness.

Requirements

Strong analytical and quantitative background with at least 8+ years of professional experience in analytics, data science, or a related quantitative field.
Proficiency in data analysis tools, particularly SQL and Python/R.
Experience with BI/visualization tools (e.g., Looker, Tableau, Mode).
Degree in a quantitative field such as Economics, Statistics, Mathematics, Engineering, Data Science, Operations Research, or a related area.
Excellent problem-solving skills with the ability to tackle complex, ambiguous problems with a structured approach.
Strong communication and presentation skills, with the ability to articulate complex analytical concepts to diverse audiences.
Demonstrated ability to think critically about business problems and the systems they operate within.
Experience with survey data

Nice To Haves

Experience specifically in competitive pricing, pricing analytics, revenue management, or marketplace optimization.
Experience in technology, fintech, lending, or two-sided marketplace companies.
Deep understanding of statistical methods and causal inference techniques.
Proven ability to influence strategic decisions through data-driven insights and narratives, especially at the leadership level.
Experience collaborating effectively with Product Management and Engineering teams.

Responsibilities

Program Ownership: Lead the end-to-end competitive intelligence program, including managing internal and external data sources and vendor relationships
Strategic Synthesis: Integrate disparate data sources (surveys, internal "comparison data, and third-party reports) into a single, cohesive narrative regarding our pricing versus the broader market.
Executive Communication: Serve as the primary voice to leadership on comp pricing providing high-stakes insights for everything from day to day understanding to board meetings and earnings calls.
Expansion & Growth: Lead the roadmap to expand competitive pricing coverage from Personal Loans into all nascent products (Auto, Home, etc.).
Pricing Influence: Translate competitive gaps into actionable pricing recommendations, helping the team decide when to lean in or pull back based on market movements.
Think critically about the end-to-end system, modeling and reasoning about how pricing changes interact with risk assessment, underwriting policies, loan funding mechanisms, and other parts of the business.

Benefits

Competitive Compensation (base + bonus & equity)
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
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