Applied Scientist

This is a fully remote position, open to applicants in United States, +1 more state.

📋 Description

• Conduct research on machine learning and statistical techniques to enhance the predictive capabilities of unsecured underwriting models.

• Develop, implement, and assess model improvements through rigorous experimentation and validation methodologies.

• Evaluate model performance and its downstream impacts to confirm reliable enhancements in credit decision-making.

• Collaborate with engineering teams for technical evaluations, implementation, and deployment processes.

• Convert research outcomes into actionable recommendations, well-documented methodologies, and production-ready solutions.

• Investigate and apply enhancements to Upstart’s primary unsecured underwriting model.

⛳️ Requirements

• A graduate degree in mathematics, applied mathematics, statistics, physics, econometrics, operations research, computer science, or a related quantitative discipline.

• 0–2 years of experience in machine learning, statistical modeling, or applied quantitative research within an academic or industry context.

• Proficiency in developing and assessing machine learning or statistical models using Python.

• In-depth knowledge of probability, statistics, and machine learning methodologies.

• Experience in designing experiments or validation analyses to evaluate model accuracy, reliability, or predictive performance.

• Preferred: PhD in a quantitative subject.

• Preferred: Familiarity with supervised learning, model evaluation, and feature engineering strategies.

• Preferred: Experience working with large or complex datasets and translating research ideas into implemented solutions.

• Preferred: Capability to balance research speed with analytical rigor, model reliability, and responsible decision-making.

• Preferred: Strong written and verbal communication abilities to explain technical concepts and work collaboratively with cross-functional teams.

🏝️ Benefits

• Competitive salary package, including base pay, bonus potential, and annual equity grants that vest quarterly.

• Extensive medical, dental, and vision insurance coverage.

• Contributions to Health Savings Accounts from Upstart for eligible plans (US only).

• 401(k) or Group Retirement Savings Plan with a company match.

• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only).

• Life insurance and disability coverage.

• Paid time off, sick leave, and company holidays.

• Paid family and parental leave.

• Family-oriented fertility, parenthood, and caregiving benefits.

• Employee Assistance Program (EAP) providing mental health support and life-centered resources.

• Financial wellness resources, including financial planning tools and concierge services (US only).

• Annual wellness allowance.

• Annual productivity allowance for relevant tools and resources.

• Team events, company-wide updates, and employee resource groups (ERGs).

• Catered lunches and fully stocked micro-kitchens for employees working from the office.

• Regular team onsite meetings and in-person gatherings.