Senior Financial Analyst driving FP&A, forecasting, and executive reporting for Upstart’s AI lending marketplace. Supporting financial decisions across its Unsecured Lending organization.
About the role
- Structured finance analyst evaluating securitized products and fund structures for S&P Global Ratings. Delivering credit opinions, surveillance, committee materials, and AI-enabled analytical workflows.
Responsibilities
- Guide and coach junior analysts and research staff
- Create reusable analytical assets and contribute to lightweight automation initiatives
- Identify and propose workflow improvements
- Lead end-to-end credit analysis and surveillance for assigned structured finance credits
- Synthesize portfolio performance, market signals, and peer context into decision-ready insights
- Embed and validate generative AI and large language model tools in analytical workflows
- Engage with external stakeholders alongside senior team members
- Prepare committee materials and communicate complex analysis to clients, rating committees, and market participants
- Apply methodology, confidentiality, and data governance requirements
- Contribute to the design and testing of automation and AI-enabled workflows
Requirements
- Direct experience analyzing securitized products, fund structures, or related structured finance instruments
- Ability to deliver high-quality analytical work across multiple credits with limited oversight
- Ability to coach junior colleagues through shared standards and tools
- Strong collaboration and relationship management skills
- Demonstrated credit, financial, and risk analysis skills
- Experience linking fundamental drivers to forward-looking risk views
- Practical experience embedding generative AI or large language model tools into professional workflows
- Proficiency in analytical and spreadsheet tools
- Willingness to develop skills in data and automation platforms
- Effective written and verbal communication skills
- High standards for analytical quality, traceability, and governance
- Ability to contribute to automation workflow design and testing
- 3 to 5 years of relevant experience in structured finance, credit analysis, or a related financial field
- Bachelor's degree or equivalent required
- Final-stage candidates must attend at least one in-person interview
- Employees are required to work from the office a minimum of two days per week
Benefits
- Annual incentive plan for US candidates
- Health care coverage
- Generous time off
- Access to continuous learning resources
- Retirement planning
- Continuing education program with a company-matched student loan contribution
- Financial wellness programs
- Family-friendly benefits and perks
- Retail discounts
- Referral incentive awards
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