Note: The job is a remote job and is open to candidates in USA. Upstart is hiring a Staff Credit Analyst for its Credit Analytics team. The role develops credit analytics for portfolio monitoring, forecasting, valuation, and funding decisions, translating credit performance into actionable insights and scalable analytical solutions.
Responsibilities
- Develop and maintain credit analytics used for portfolio monitoring, forecasting, valuation, and decision-making
- Support loss forecasting, scenario analysis, portfolio performance measurement, and related reporting
- Contribute to risk capital analytics for funding strategies, including securitizations, warehouse facilities, and forward-flow programs
- Analyze portfolio trends and translate findings into clear recommendations for product, credit policy, finance, and funding stakeholders
- Partner with cross-functional teams to align on definitions, metrics, analytical frameworks, and business requirements
- Build and improve data models, pipelines, dashboards, and automated reporting to enable reliable, self-serve insights
- Establish strong practices for analytical validation, monitoring, documentation, and governance
- Communicate complex analyses clearly to both technical and non-technical audiences
Skills
- 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 and 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, with the ability to collaborate effectively across functions
- Experience partnering with Machine Learning or Data Science teams, particularly in underwriting or model-performance monitoring
- Familiarity with capital analytics, deal economics, and risk/return frameworks
- Experience building analytics infrastructure, dashboards, automated reporting, or GenAI-enabled analytical solutions
- Exposure to model governance, controls, audit, model validation, or valuation review processes
- Demonstrated ability to manage analytical projects, influence stakeholders, and drive alignment
Benefits
- Competitive compensation, including bonus opportunities and annual equity grants that vest quarterly
- Retirement benefits: a 401(k) in the US or Group Retirement Savings Plan in Canada, with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
- 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 employees; supplemental health coverage for Canada
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Life insurance and disability coverage
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave; duration varies by country
- Family-centered benefits supporting fertility, parenthood, and caregiving needs
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service (US only)
- Annual wellness allowance to support physical and emotional well-being and personal development
- Annual productivity allowance for relevant tools and resources
- Connection and community through team events, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from offices in the Bay Area, Austin, Columbus, and New York City
- Remote work; the role is available remotely
Company Overview
Company H1B Sponsorship