About Upstart
Upstart is a 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 two-thirds of Upstart loans are approved instantly and are fully automated.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; and Austin, Texas.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:
The ML Verifications team builds production ML models to verify the authenticity of credit applications and mitigate risk. These models detect various types of fraud across Upstart’s portfolio of products and are at the heart of Upstart’s mission, enabling effortless credit based on true risk.As a Senior Research Scientist in ML Verifications at Upstart, you will work in a fast-paced team with a focus on feature research, model improvement and model deployment. You will directly own critical models, directly contribute to some of the most important business metrics and tackle some of the following challenges:
- Detecting scaled fraud attacks
- Developing innovative features to target fraudulent behavior
- Building new models for our core personal loans product and/or our new product initiatives
- Quantifying and optimizing the tradeoff between fraud detection and conversion
As a Senior Research Scientist with Upstart, you'll enjoy a fast-paced environment with a focus on productionalizing, deploying and training machine learning models. You’ll also have an opportunity to work alongside a talented team that values curiosity, humility, drive and teamwork.
- Position Location - This role is available in the following locations: Columbus, Austin, San Mateo, or Remote
- Time Zone Requirements - This team operates on either the East, Central, or West Coast time zones.
- Travel Requirements - This team has regular on-site collaboration sessions six times annually split between our San Mateo or Columbus office locations. If you need to travel to make these meetups, Upstart will cover all travel related expenses.
How you’ll make an impact
Autonomously develop and deploy production modelsContribute to a high-quality modeling codebase in PythonQuickly prototype and test ideasResearch novel modeling techniquesWork collaboratively with a cross-functional team consisting of research scientists, software engineers and product managers
Minimum Qualifications
- Excellent critical thinking
- Bachelor in a scientific discipline (Math, Physics, Computer Science)
- 2+ years of experience in Machine Learning, or similar field
- Proficiency in a programming language (Python preferred)
- Proficiency in Statistical/Probability/Machine Learning theory
- Ability to communicate effectively to a non-technical audience
Preferred Qualifications
- Excellent critical thinking
- Masters or PhD in a quantitative discipline (Math, Physics, Economics, Computer Science)
- 4+ years of experience in Machine Learning, or similar field
- Experience leading junior members in a technical team
- Deep expertise in a programming language (Python preferred)
- Deep expertise in Statistical/Probability/Machine Learning theory
- Excellent communication skills to a non-technical audience
What you’ll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage
- Personal Development and Technology & Ergonomic Budgets
- Life insurance and disability benefits
- Clubs and Activities (Game Nights, Fitstarters, Superwomen, Book Club, Investing Club, Money Discussions, Photography Club and Basketball teams)
- Generous vacation policy
- 401(k) and Employee Stock Purchase Plan (ESPP)
- Catered lunches + snacks & drinks
#LI-REMOTE#LI-MidSeniorAt Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$141,300—$195,500 USDUpstart is a proud Equal Opportunity Employer.
We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.comhttps://www.upstart.com/candidate_privacy_policy
