Upstart — banklar va kredit uyushmalarini qarz oluvchilar bilan bog‘laydigan marketplace orqali kredit berish bo‘yicha qarorlarni qo‘llab-quvvatlash uchun sun’iy intellektdan foydalanadigan moliyaviy xizmatlar kompaniyasi. Uning texnologiyasi kredit xavfini an’anaviy ko‘rsatkichlardan kengroq baholashga mo‘ljallangan bo‘lib, kredit beruvchi hamkorlarga kreditdan foydalanish imkoniyatini kengaytirish hamda tasdiqlash va zarar natijalarini boshqarishda yordam beradi. Asosiy kredit marketplace’idan tashqari, Upstart avtomobil kreditlarini qayta moliyalashtirish xizmatini ham taklif qiladi va raqamli yondashuvga asoslangan qarz olish tajribasini taqdim etadi. Kompaniya faoliyati sun’iy intellekt, kredit xavfini baholash, iste’mol kreditlari va moliyaviy texnologiyalar yo‘nalishlarini qamrab oladi.
Senior Financial Analyst, FP&A — Upstart (Remote, United States)
Lead FP&A, forecasting, and executive reporting for Upstart’s Unsecured Lending organization. Turn financial and operational analysis into clear recommendations for business decisions.
Tavsif
- Manage short- and long-range financial planning, forecasting, and budgeting for the Unsecured Lending organization
- Prepare executive-ready insights and commentary for forecast reviews, business reviews, month-end close, and annual planning
- Evaluate financial and operational performance, surface trends and risks, and investigate variances against expectations
- Partner with department leaders to clarify operating-expense drivers and evaluate financial tradeoffs
- Strengthen financial reporting, systems, tooling, and analytical infrastructure to support accurate, scalable decisions
- Collaborate with FP&A, Accounting, and cross-functional teams to maintain reliable forecasts, reporting, and transparency
- Create dependable financial models and convert business and financial results into actionable recommendations
Talablar
- Bachelor’s degree in Finance, Economics, Accounting, Statistics, or a related discipline, or equivalent practical experience
- At least five years of relevant FP&A experience
- Advanced Excel or Google Sheets skills, including complex financial modeling
- Experience working with large datasets and converting financial and business drivers into recommendations
- Experience preparing forecasts, budgets, variance analyses, and financial or operational performance reports
- Ability to learn quickly, work independently, prioritize competing demands, meet tight deadlines, and perform in a fast-paced setting
- Familiarity with financial planning and accounting platforms such as Adaptive Planning, NetSuite, or comparable systems
- Experience using business intelligence tools such as Looker, Tableau, or Mode
- Familiarity with SQL or willingness to develop SQL skills
- Experience in fintech, lending, consumer finance, subscriptions, or technology-enabled marketplaces
- Strong communication skills, with the ability to explain complex financial information and collaborate across functions and organizational levels
Imtiyozlar
- Base salary, bonus opportunities, and annual equity grants that vest quarterly
- 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
- Employee Stock Purchase Plan with discounted stock purchase options for eligible US employees
- Medical, dental, vision, and wellness resources for US employees, plus supplemental health coverage for Canada
- Health Savings Account contributions for eligible US plans
- Life insurance and disability coverage
- Paid time off, sick leave, and company holidays
- Paid family and parental leave
- Fertility, parenthood, and caregiving benefits
- Employee Assistance Program offering mental health support and life-focused resources
- Financial planning tools and a financial concierge service for US employees
- Annual wellness allowance
- Annual productivity allowance for relevant work tools and resources
- Team events, company-wide updates, and employee resource groups
- Catered lunches and fully stocked micro-kitchens at offices in the Bay Area, Austin, Columbus, and New York City