Senior Financial Analyst

About Upstart 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 3,000 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, 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: Upstart’s FP&A team plays a critical role in shaping business decisions, ensuring financial discipline as products scale, and driving the Company’s business and financial planning process. This role will explain and forecast performance, identify opportunities and risks, and inform financial decisions for the Unsecured Lending organization. Unsecured Lending is a complex and strategically important part of Upstart’s business with multiple products, financial drivers, and performance dynamics to manage across varying stages of maturity. The organization includes Upstart’s biggest product as well as the newest and fastest growing product that introduces a subscription monetization model. As a Senior Financial Analyst at Upstart, you will drive all aspects of FP&A which includes forecasting and business planning, performance analysis, and executive reporting. You will build reliable financial models, translate business and financial results into actionable insights, and partner across the organization to support informed decision-making. If you are naturally curious, love data, are well-versed in financial modeling and analysis, and are an excellent communicator, we’d love to hear from you. How you’ll make an impact • 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 Minimum Qualifications • Bachelor’s degree in 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 Preferred Qualifications • 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 Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Associate At 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 (i