Senior Financial Analyst, FP&A

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