Principal Product Analyst

Role Description

As a Principal Product Analyst supporting our unsecured installment products (including Personal Loans, Relief Loans, and Cashline), you will act as a strategic partner to product leadership, owning the analytics roadmap for a core area of Upstart's business. You will champion a culture of experimentation, execute high-impact analyses to decode user journey dynamics, and collaborate seamlessly with Product, Engineering, and Machine Learning teams to translate complex data into scalable, growth-driving product enhancements.

How you’ll make an impact

• Drive product strategy through data: Partner closely with Product Management, Engineering, and Design leaders to define success metrics, size new opportunities, and shape the strategic roadmap for our unsecured installment products.
• Lead rigorous experimentation: Own the end-to-end A/B testing lifecycle—from hypothesis generation and experimental design to deep-dive analysis and executive readout—to continuously optimize user funnels and product features.
• Execute high-impact behavioral analyses: Dive deep into complex user journey data to uncover friction points, retention drivers, and growth levers, translating raw telemetry into actionable product recommendations.
• Architect scalable data solutions: Collaborate with Engineering teams to define tracking requirements for new product launches, ensuring high data quality and building intuitive dashboards that empower teams with self-serve insights.

Qualifications

• 10+ years of professional experience in product analytics, data science, or a similar quantitative role focused on product optimization and user behavior.
• Expert-level proficiency in SQL & strong applied experience with 1+ statistical programming language (Python or R).
• Proven track record of designing, executing, and evaluating A/B tests, with a deep understanding of experimental design, hypothesis testing, and statistical rigor.
• Hands-on experience building foundational reporting and interactive dashboards using modern Business Intelligence and data visualization tools (e.g., Looker, Tableau, or similar).

Requirements

• Master’s / PhD in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science).
• Experience working with lending products, risk modeling, or financial services analytics.
• Excellent communication skills with a proven ability to present complex data insights in a clear and actionable manner.
• Comfort with ambiguity and a strategic mindset for solving complex, unstructured problems.

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year.
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees.
• Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose.
• Health Savings Account contributions from Upstart for eligible plans.
• Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage.
• Paid time off, sick and safe time, and company holidays.
• Paid family and parental leave to support caregiving and major life moments.
• Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving.
• Employee Assistance Program (EAP) offering mental health support and life-centered resources.
• Financial wellness resources, including access to financial planning tools and a financial concierge service.
• Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you.
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from.
• Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs).
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).