Upstart Holdings, Inc. is a U.S.-based financial technology company that uses artificial intelligence and machine learning to improve access to credit. Founded in 2012 by former Google executives Dave Girouard, Anna Counselman, and Paul Gu, the company’s mission is to expand access to affordable credit while reducing the risk and cost of lending. Upstart’s platform evaluates thousands of data points beyond traditional credit scores, helping banks and credit unions make more accurate lending decisions and approve more borrowers.
Headquartered in San Mateo, California, Upstart partners with financial institutions to power personal loans, auto loans, and other consumer lending products through its AI-driven underwriting system. The company went public on the NASDAQ in 2020 and has built a reputation as a prominent fintech innovator seeking to modernize the credit industry. With a workforce of over a thousand employees, Upstart continues to expand its lending marketplace and banking partnerships while refining its AI models to improve loan performance and financial inclusion.
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