Staff Analyst, Competitive Intelligence

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 1,800 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 (opening Summer 2026), 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 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. How you’ll make an impact

• 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.

Minimum Qualifications

• 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 Preferred Qualifications
• 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. 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 but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or t

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