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
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