Staff Analyst owning HELOC credit performance, reporting, and deal analytics for Upstart’s AI lending marketplace. Partnering with capital investors and cross-functional teams to support home-equity growth.
Responsibilities
Engage directly with capital investors to showcase Upstart’s platform and craft tailored capital solutions for the home equity program
Own the HELOC credit performance narrative, including arrears, roll rates, vintage and cohort loss curves, model calibration, and feature importance
Explain portfolio performance and forward-risk implications to investors, partners, and internal leadership
Produce recurring yield, default, and prepayment performance reporting
Help model and steer deal strategy for capital partners
Develop financial models, data pipelines, and automated credit monitoring and reporting infrastructure
Use agentic AI tools such as Claude Code and Codex to automate analytics pipelines and recurring reporting
Collaborate with Machine Learning, Product, Engineering, and Finance teams on HELOC credit metrics, narratives, and forecasts
Mentor junior team members and elevate data, credit, and analytics expertise
Requirements
5+ years of professional experience in financial services, focused on credit and debt, including hands-on loan portfolio performance and credit risk experience
Hands-on proficiency in Python and SQL
Experience analyzing and explaining portfolio credit performance, including delinquency and arrears, roll rates, vintage loss curves, and model calibration
Expertise working with large datasets and data modeling
Experience building robust data pipelines
Experience using Databricks, Redshift, DBT, and business intelligence tools
Degree in Finance, Economics, Statistics, Engineering, Data Science, or another quantitative field
East/West coast time-zone availability
Able to live and work in the U.S. or Canada outside Quebec
Preferred: cross-functional collaboration, executive-level data storytelling, Tableau/PowerBI/Looker, HELOC/home equity/mortgage credit, financial modeling, deal analytics, agentic coding tools such as Claude Code or Codex, model explainability and calibration
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)
Comprehensive medical, dental, vision, and wellness coverage/resources
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
Family-centered fertility, parenthood, and caregiving benefits
Employee Assistance Program offering 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 stocked micro-kitchens when working from offices
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