[All remote jobs](https://jobicy.com/jobs.md)[![Upstart logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/bc2cfa2b-221-1.jpeg)](https://jobicy.com/company/upstart.md)[Upstart](https://jobicy.com/company/upstart.md) # Applied Scientist AI Summary Upstart is hiring an Applied Scientist to optimize partner offers across the customer journey for its AI lending marketplace. The role applies causal inference, experimentation, statistical modeling, and machine learning to identify offer strategies that improve conversion. The scientist will design rigorous evaluations, build production-ready Python models, and translate findings into decisions for product, engineering, partnerships, and model-risk stakeholders. Candidates need a graduate quantitative degree, applied research experience, causal-inference expertise, and strong Python development skills. This is a US-remote role with periodic team onsites encouraged for collaboration.[Apply for this job](#job-application)[View company](https://jobicy.com/company/upstart.md)ShareRemote from[USA](https://jobicy.com/job-region/usa.md)SalaryUSD 141,500–196k / yrDepartment[Data Science & Analytics](https://jobicy.com/categories/data-science.md)EmploymentFull TimeExperienceOpen levelPublished10 Nov 2026Apply before10 Dec 2026Listing views52Application actions1Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. Opportunity details ## About this role. About [Upstart](https://jobicy.com/company/upstart.md) 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 Partnerships team helps drive customer acquisition and originations through partner offers. The team is focused on improving how offers are optimized across the customer journey. As the Applied Scientist on the Partnerships team, you’ll use causal inference, experimentation, and machine learning to help determine which offers are most likely to support customer conversion. You’ll take on a greenfield optimization opportunity, moving from research and measurement to production-ready models and decision strategies. ### How you’ll make an impact * Develop causal machine-learning models to optimize customer offers at different points in the funnel, from marketing-time decisions with limited information to decisions informed by customer activity on our site. * Analyze and interpret complex data, identify gaps in what we know, and design experiments to gather evidence for building and evaluating optimization models. * Measure the impact of offer changes with statistically rigorous experiments and evaluations. * Translate research and results into clear recommendations, decision strategies, and next steps for business and technical partners. * Build production-ready models and code for use in offer selection. * Partner with Partnerships leadership, Product, Engineering, peer machine-learning teams, and model-risk partners to align on strategy, implementation, and methodology. ### Minimum Qualifications * Graduate degree in mathematics, applied mathematics, statistics, physics, econometrics, operations research, computer science, or a related quantitative field. * 2+ years of experience conducting machine-learning, statistical-modeling, or applied quantitative research in an academic or industry setting. * Experience applying causal inference methods and experimentation to real-world decisions in an applied-science or data-science context. * Applied statistics, probability, and experimental-design expertise used to build or evaluate models or interventions. * Production-quality coding experience in Python, including data manipulation and algorithm implementation. ### Preferred Qualifications * PhD in a quantitative field. * Experience with marketplace optimization, particularly where pricing or offer decisions are central. * Experience with causal machine-learning methods or treatment-effect modeling. * Experience with supervised learning, model evaluation, and feature engineering, especially with large or complex datasets. * Experience taking work from exploratory analysis and experimentation through production-model development while maintaining analytical rigor and model reliability. * Ability to translate broad business problems into structured research questions and communicate complex findings as actionable recommendations. 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 twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote – Anticipated Base Salary Range $141,500—$196,000 USD What you’ll love At Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: * Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly * Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) * Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) * Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. * Health Savings Account contributions from Upstart for eligible plans (US only) * Income protection benefits, including life insurance and disability coverage for added financial security * Paid time off, sick leave, and company holidays, in line with local requirements * Paid family and parental leave to support caregiving and major life moments (duration varies by country) * Family-centered benefits to support fertility, parenthood, and caregiving needs * 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 (US Only) * 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, all-company updates, and employee resource groups (ERGs) * Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com [https://www.upstart.com/candidate_privacy_policy](https://www.upstart.com/candidate_privacy_policy) Show more [Apply now >](https://jobicy.com/jobs/161042-applied-scientist-3.md) * ![Upload CV](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI2NSIgaGVpZ2h0PSI2NSIgZmlsbD0ibm9uZSIgeG1sbnM6dj0iaHR0cHM6Ly92ZWN0YS5pby9uYW5vIj48ZyBjbGlwLXBhdGg9InVybCgjQSkiPjxwYXRoIGQ9Ik0wIDBINjVWNjVIMFYwWiIgZmlsbD0iIzAyOWFlYiIvPjxnIGZpbGw9IiNmZmYiIHN0cm9rZT0iI2ZmZiIgc3Ryb2tlLXdpZHRoPSIyIj48cGF0aCBkPSJNMzMuMDQ5IDE1LjQ1NGExLjQzIDEuNDMgMCAwIDAtMi4wOTcgMGwtNy41NzkgOC4xNDdhMS4zOCAxLjM4IDAgMCAwIC4wOSAxLjk3MyAxLjQ0IDEuNDQgMCAwIDAgMi4wMDgtLjA4OGw1LjEwOS01LjQ5MnYyMC42MWExLjQxIDEuNDEgMCAwIDAgMS40MjEgMS4zOTdjLjc4NSAwIDEuNDIxLS42MjUgMS40MjEtMS4zOTd2LTIwLjYxbDUuMTA5IDUuNDkyYTEuNDQgMS40NCAwIDAgMCAyLjAwOC4wODggMS4zOCAxLjM4IDAgMCAwIC4wOS0xLjk3M2wtNy41NzktOC4xNDZ6TTE2Ljc2OSAzOC40YzAtLjc3My0uNjItMS40LTEuMzg1LTEuNFMxNCAzNy42MjcgMTQgMzguNHYuMTAybC4yMTUgNi4yMjljLjIyMyAxLjY4LjcwMSAzLjA5NSAxLjgxMyA0LjIxOHMyLjUxIDEuNjA3IDQuMTcyIDEuODMzYzEuNi4yMTggMy42MzYuMjE4IDYuMTYuMjE4aDExLjI4bDYuMTYtLjIxOGMxLjY2Mi0uMjI2IDMuMDYxLS43MDkgNC4xNzItMS44MzNzMS41ODktMi41MzggMS44MTMtNC4yMThDNTAgNDMuMTEzIDUwIDQxLjA1NSA1MCAzOC41MDNWMzguNGMwLS43NzMtLjYyLTEuNC0xLjM4NS0xLjRzLTEuMzg1LjYyNy0xLjM4NSAxLjRsLS4xOSA1Ljk1OGMtLjE4MiAxLjM3LS41MTUgMi4wOTUtMS4wMjYgMi42MTJzLTEuMjI4Ljg1My0yLjU4MyAxLjAzOGMtMS4zOTUuMTktMy4yNDMuMTkzLTUuODkzLjE5M0gyNi40NjJjLTIuNjUgMC00LjQ5OC0uMDAzLTUuODkzLS4xOTMtMS4zNTUtLjE4NC0yLjA3Mi0uNTIxLTIuNTgzLTEuMDM4cy0uODQ0LTEuMjQyLTEuMDI2LTIuNjEyYy0uMTg3LTEuNDEtLjE5MS0zLjI3OS0uMTkxLTUuOTU4eiIvPjwvZz48L2c+PGRlZnM+PGNsaXBQYXRoIGlkPSJBIj48cGF0aCBmaWxsPSIjZmZmIiBkPSJNMCAwaDY1djY1SDB6Ii8+PC9jbGlwUGF0aD48L2RlZnM+PC9zdmc+) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. This job listing has been manually reviewed by the Jobicy Trust & Safety Team for compliance with our posting guidelines, including verification of the company's legitimacy, accuracy of job details, clarity of remote work policy, and absence of misleading or fraudulent content. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 5/5EasyHard ### Pace & Pressure 4/5RelaxedFast-paced ### Autonomy Level 4/5GuidedFull ownership ### Communication Load 5/5IndependentCollaborative AI insightThe position combines advanced causal ML research with production implementation in a regulated lending setting. Success requires rigorous experimental design, reliable modeling, and clear communication of technical trade-offs to cross-functional leaders. ## Salary analysis Estimated compensation compared with the broader US market for similar roles. Estimated job median (per year)Market rate$168,750US market range (per year)$135k–$205k0$225.50k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. The employer discloses a USD 141,500–196,000 base-pay range for a US remote role. The posting does not explicitly state the base-pay cadence, but yearly pay is inferred from the professional full-time US role and the magnitude of the stated base-salary range. The midpoint is USD 168,750 per year; the estimated US market range is USD 135,000–205,000 per year. ## Core skills Skills and capabilities most closely associated with this opportunity. [Causal inference](https://jobicy.com/jobs?search_keywords=Causal%20inference.md)[Machine learning](https://jobicy.com/jobs?search_keywords=Machine%20learning.md)[Experimental design](https://jobicy.com/jobs?search_keywords=Experimental%20design.md)[Statistical modeling](https://jobicy.com/jobs?search_keywords=Statistical%20modeling.md)[Python](https://jobicy.com/jobs?search_keywords=Python.md)[A/B testing](https://jobicy.com/jobs?search_keywords=AB%20testing.md)[Treatment-effect modeling](https://jobicy.com/jobs?search_keywords=Treatment-effect%20modeling.md)[Feature engineering](https://jobicy.com/jobs?search_keywords=Feature%20engineering.md)[Model evaluation](https://jobicy.com/jobs?search_keywords=Model%20evaluation.md)[Data analysis](https://jobicy.com/jobs?search_keywords=Data%20analysis.md)[Offer optimization](https://jobicy.com/jobs?search_keywords=Offer%20optimization.md)[Production ML](https://jobicy.com/jobs?search_keywords=Production%20ML.md)[Stakeholder communication](https://jobicy.com/jobs?search_keywords=Stakeholder%20communication.md) Sample interview questionsHow would you estimate the causal impact of changing a customer offer when randomized experimentation is not initially possible?I would first define the treatment, outcome, target population, and likely confounders. Depending on data quality and assignment mechanisms, I would evaluate methods such as propensity-score weighting, doubly robust estimation, matching, instrumental variables, or difference-in-differences, then validate overlap, balance, sensitivity, and robustness assumptions. I would use the findings to design a future randomized experiment where feasible. How would you design an experiment to evaluate a new offer-selection strategy? I would establish a primary conversion metric and guardrails such as approval quality, customer outcomes, and partner economics. I would randomize at the appropriate customer or session level, conduct power analysis, pre-register decision rules, monitor sample-ratio mismatch, and analyze intent-to-treat effects with confidence intervals and heterogeneous-treatment-effect checks. Describe how you would take a causal machine-learning model from research into production. I would begin with reproducible datasets, versioned features, and a clear offline evaluation framework. After validating calibration, uplift or policy value, fairness, stability, and business guardrails, I would package the model with automated tests, monitoring, documentation, and rollback criteria. I would then launch progressively through an experiment or controlled rollout and compare live results against expected impact. What risks would you consider when optimizing lending-related offers? I would assess selection bias, leakage, model drift, proxy discrimination, disparate impact, calibration differences, and the possibility that short-term conversion optimization harms customer outcomes. I would partner with risk and compliance stakeholders to define protected attributes and policy constraints, document methodology, and monitor both performance and fairness over time. How do you communicate a complex causal-analysis result to nontechnical stakeholders? I start with the decision, the estimated impact, and uncertainty in business terms, supported by a concise visual or comparison to the current strategy. I explain the key assumptions and limitations plainly, distinguish correlation from causation, and recommend a concrete next action such as a targeted test, rollout threshold, or additional data collection. Next step ## Apply now. Follow the employer’s application method and review Jobicy’s safety guidance before sharing personal information. Keep exploring ## Related remote jobs. * ![Deepgram logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2020/12/WRILS-201212160008-406229.jpg) Deepgram Nov 10 New ### [Director of Research, Text-to-Speech](https://jobicy.com/jobs/161053-director-of-research-text-to-speech.md) Company Overview Deepgram is bringing the world’s most natural interface, voice, to the technology we use every day. Our speech models and real-time infrastructure power AI systems that keep up… * ![Quilter logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/08/138e7ef9-221.png) Quilter Nov 10 New ### [Applied Scientist](https://jobicy.com/jobs/161034-applied-scientist-2.md) About Quilter At Quilter, we are helping electrical engineers save time and accomplish more by automating the tedious and time-consuming task of designing printed circuit boards (PCBs). Our small team… * ![Cantina Labs logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2026/11/e52bb5e84323-221.webp) Cantina Labs Nov 10 New ### [Research Scientist, Real-Time Video Generation](https://jobicy.com/jobs/161001-research-scientist-real-time-video-generation.md) About Cantina Cantina Labs is a social AI company, developing a suite of advanced real-time models that push the boundaries of expression, personality, and realism. We bring characters to life,… * ![Cantina Labs logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2026/11/e52bb5e84323-221.webp) Cantina Labs Nov 10 New ### [Machine Learning Engineer, Voice Conversion](https://jobicy.com/jobs/160999-machine-learning-engineer-voice-conversion.md) About Cantina: Cantina is a new social platform founded by Sean Parker with the most advanced AI character creator. Our bots are lifelike, social creatures that can interact wherever people… * ![Welo Global logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2026/06/83c40f94-221.webp) Welo Global Nov 10 New ### [Project Lyra Danish Culture Expert](https://jobicy.com/jobs/160998-project-lyra-danish-culture-expert.md) Help shape how AI understands and speaks Danish. We’re launching a short-term project that needs Danish speakers to review, rewrite, and create Danish text that trains AI language models. You’ll… * ![Cantina Labs logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2026/11/e52bb5e84323-221.webp) Cantina Labs Nov 10 New ### [Machine Learning Engineer, TTS](https://jobicy.com/jobs/160994-machine-learning-engineer-tts.md) About Cantina Cantina is a new social platform founded by Sean Parker with the most advanced AI character creator. Our bots are lifelike, social creatures that can interact wherever people… * ![Cantina Labs logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2026/11/e52bb5e84323-221.webp) Cantina Labs Nov 10 New ### [Machine Learning Engineer, Core Evaluations](https://jobicy.com/jobs/160991-machine-learning-engineer-core-evaluations.md) About Cantina: Cantina Labs is a social AI company, developing a suite of advanced real-time models that push the boundaries of expression, personality, and realism. We bring characters to life,… * ![DuckDuckGo logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2021/11/ab8415dd5798a360323ce06beaf30c35.png) DuckDuckGo Nov 10 New ### [Senior Data Scientist](https://jobicy.com/jobs/154962-senior-data-scientist-7.md) Who We Are Hi, we’re DuckDuckGo, the online protection company and remote-first team of 300+ on a mission to raise the standard of trust online. Founded in 2008 and profitable… * ![Bayesian Health logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/08/f74593d8-221.png) Bayesian Health Nov 10 New ### [Senior/Staff Machine Learning Data Scientist](https://jobicy.com/jobs/152824-senior-staff-machine-learning-data-scientist.md) Senior/Staff Machine Learning Data Scientist In Brief We’re an early-stage startup on a mission to make healthcare proactive by empowering physicians, nurses, and care team members with real-time data to… * ![Beyond Finance logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2022/01/68cd015e123539d873279c7b82f1ca6a.jpg) Beyond Finance Nov 10 New ### [Manager, Strategy & Analytics](https://jobicy.com/jobs/152802-manager-strategy-analytics.md) At Beyond Finance, we’ve made it our mission to help everyday Americans escape the endless cycle of crippling debt and step into a brighter financial future. Through compassionate, individualized care,… [Browse all jobs](https://jobicy.com/jobs.md)