Rating Analyst analyzing infrastructure and project finance credit risks for S&P Global Ratings. Building models, dashboards, and research supporting independent credit opinions.
About the role
- Senior Financial Analyst driving FP&A, forecasting, and executive reporting for Upstart’s AI lending marketplace. Supporting financial decisions across its Unsecured Lending organization.
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 operating-expense drivers and tradeoffs in partnership with department leads
- Improve financial reporting, systems/tooling, and analytical infrastructure for accurate and scalable decision-making
- Partner across FP&A, Accounting, and cross-functional stakeholders to ensure accurate forecasting, reporting, and transparency
- Build reliable financial models, translate business and financial results into actionable insights, and support informed decision-making
Requirements
- Bachelor’s degree 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 complex financial modeling
- Experience analyzing large data sets and translating financial and business drivers into recommendations
- Experience developing financial forecasts, budgets, variance analyses, and financial or operational performance reporting
- 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 willingness to learn
- Experience in fintech, lending, consumer finance, subscriptions, or technology-enabled marketplaces
- Ability to communicate complex financial information clearly and collaborate effectively across functions and levels
Benefits
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Medical, dental, vision, and wellness resources for US employees; supplemental health coverage for Canada
- Health Savings Account contributions for eligible plans (US only)
- Life insurance and disability coverage
- Paid time off, sick leave, and company holidays
- Paid family and parental leave
- Fertility, parenthood, and caregiving benefits
- Employee Assistance Program with mental health support and life-centered resources
- Financial planning tools and financial concierge service (US only)
- Annual wellness allowance
- Annual productivity allowance for relevant work tools and resources
- Team events, all-company updates, and employee resource groups
- Catered lunches and fully stocked micro-kitchens at offices in the Bay Area, Austin, Columbus, and New York City
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