Upstart · 12 hours ago
Research Scientist Intern
United States
Internship
Remote
Intern
$141K/yr - $150K/yrUpstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. As a Research Scientist Intern, you will work on applied machine learning problems, develop business-critical models, and collaborate with experienced ML practitioners to enhance model performance.
Artificial Intelligence (AI)LendingFinanceFinTechAutomotiveConsumer LendingCreditFinancial ServicesMachine LearningPersonal Finance
Responsibilities
Research, develop and deploy new features/architectures/models
Write production-grade code, i.e. tested, reviewed and scalable Python
Communicate findings clearly to get buy-in for recommended next steps
Work with your mentor to align stakeholders, and drive next steps
Qualification
Required
Bachelor (or above) degree in Statistics, Mathematics, Economics, Finance, Computer Science or a related quantitative field. We require that you are on track to graduate by the summer of 2027
Proficiency in a broad array of mathematical, statistical, and machine learning skills
Programming skills in Python
Strong sense of intellectual curiosity, humility, drive and teamwork, as well as communication skills
Ability to use modern agentic tooling (Claude Code, Codex, …) efficiently
Preferred
Phd in Statistics, Mathematics, Economics, Finance, Computer Science or a related quantitative field. We require that you are on track to graduate by the summer of 2027
Specialized research in statistical/probabilistic modeling or machine learning. OR specialized training (e.g. data science bootcamp) in all steps of the modeling process from ideation to productionalizing code
Excellent coding skills in Python
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!)
Company
Upstart
Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
Founded in 2012
1001-5000 employees
H1B Sponsorship
Upstart has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (68)
2024 (67)
2023 (85)
2022 (85)
2021 (42)
2020 (15)
Funding
Current Stage
Public CompanyTotal Funding
$3.36BKey Investors
CastlelakeProgressiveRakuten
2025-11-06Post Ipo Debt· $1.5B
2025-09-05Post Ipo Debt· $320M
2025-08-12Post Ipo Debt· $600M
Leadership Team
Dave Girouard
Founder & CEO
Paul Gu
Co-Founder
Recent News
Business Wire
2026-02-10
Business Wire
2026-02-10
2026-02-10
Company data provided by crunchbase