[Remote] Senior Financial Analyst, FP&A

Note: The job is a remote job and is open to candidates in USA. Upstart is hiring a Senior Financial Analyst to support FP&A for its Unsecured Lending organization. The role focuses on financial planning and forecasting, performance analysis, executive reporting, and cross-functional partnership to inform business decisions.

Responsibilities

• 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

Skills

• 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
• Knowledge of financial planning and accounting systems such as Adaptive Planning, Netsuite, or similar platforms
• Experience with BI tools such as Looker, Tableau, or Mode
• Familiarity with SQL or a willingness to learn
• Experience in fintech, lending, consumer finance, subscriptions, or technology-enabled marketplaces
• Ability to communicate complex financial information clearly and collaborate effectively with stakeholders across functions and levels

Benefits

• For full-time employees: target bonus opportunities and annual equity grants that vest quarterly
• For full-time employees: 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)
• For eligible US employees: Employee Stock Purchase Plan (ESPP) with discounted stock purchase options
• For full-time employees: comprehensive health coverage, including medical, dental, vision, and wellness resources for US employees, and supplemental health coverage for Canada
• For eligible US plans: Health Savings Account contributions from Upstart
• For full-time employees: life insurance and disability coverage
• For full-time employees: paid time off, sick leave, and company holidays, in line with local requirements
• For full-time employees: paid family and parental leave (duration varies by country)
• For full-time employees: family-centered benefits supporting fertility, parenthood, and caregiving needs
• For full-time employees: Employee Assistance Program (EAP) offering mental health support and life-centered resources
• For full-time employees in the US: access to financial planning tools and a financial concierge service
• For full-time employees: annual wellness allowance supporting physical and emotional well-being and personal development
• For full-time employees: annual productivity allowance for relevant work tools and resources
• For full-time employees: team events, all-company updates, and employee resource groups (ERGs)
• Digital-first work flexibility, with the majority of work accomplishable remotely; most employees can live and work anywhere in the US or Canada (outside of Quebec). In-person onsites and meetings are expected; most teams meet once or twice per quarter for 2–4 consecutive days at a time.
• When working from the Bay Area, Austin, Columbus, or New York City offices: catered lunches and fully stocked micro-kitchens

Company Overview

Company H1B Sponsorship