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About the role

  • Staff Credit Analyst advancing Upstart’s AI lending marketplace through credit forecasting, portfolio analytics, and funding insights. Building scalable models, pipelines, dashboards, and reporting for risk-informed decisions.

Responsibilities

  • Develop and maintain credit analytics for portfolio monitoring, forecasting, valuation, and decision-making
  • Support loss forecasting, scenario analysis, portfolio performance measurement, and reporting
  • Contribute to risk capital analytics for securitizations, warehouse facilities, and forward-flow programs
  • Analyze portfolio trends and provide recommendations to product, credit policy, finance, and funding stakeholders
  • Partner with Machine Learning, Finance, Product, Engineering, and Capital teams on metrics, definitions, analytical frameworks, and business requirements
  • Build and improve data models, pipelines, dashboards, and automated reporting
  • Establish analytical validation, monitoring, documentation, and governance practices
  • Communicate complex analyses to technical and non-technical audiences

Requirements

  • 5+ years of experience in analytics, credit risk, quantitative finance, or a related field within fintech, financial services, consumer lending, or a similar industry
  • Experience with credit risk, loss forecasting, portfolio analytics, valuation, or related financial-performance frameworks
  • Working knowledge of risk capital or structured finance concepts, such as securitizations, warehouse facilities, forward-flow programs, or investor reporting
  • Strong SQL skills
  • Proficiency in at least one programming language, such as Python or R
  • Experience working with large datasets and developing repeatable, well-documented analyses
  • Ability to turn complex analytical work into clear, actionable business insights
  • Strong written and verbal communication skills and cross-functional collaboration ability
  • West coast time zone availability
  • Preferred: experience partnering with Machine Learning or Data Science teams, capital analytics, deal economics, risk/return frameworks, analytics infrastructure, dashboards, automated reporting, GenAI-enabled analytical solutions, model governance, controls, audit, model validation, valuation review, and analytical project management

Benefits

  • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
  • Retirement benefits including a 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 health coverage including medical, dental, vision, and wellness resources for US; supplemental health coverage for Canada
  • Health Savings Account contributions for eligible US plans
  • 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 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 stocked micro-kitchens at Bay Area, Austin, Columbus, and New York City offices

Job title

Job type

Full Time

Experience level

Lead

Salary

$157,000 - $217,500 per year

Degree requirement

No Education Requirement

Tech skills

PythonSQL

Location requirements

RemoteUnited States

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