Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing borrowing costs and complexity for Americans. They are seeking a Staff Credit Analyst to support the migration of credit analytics processes to a new platform, working closely with various teams to ensure successful implementation and data quality.
Responsibilities
- Execute testing plans to validate the accuracy and functionality of credit analytics workflows migrated from spreadsheet-based processes into a new platform
- Perform detailed reconciliations between legacy and new-system outputs, investigate discrepancies, and document findings
- Partner with Engineering, Product, and Analytics teams to troubleshoot issues, validate fixes, and support platform readiness for production use
- Develop reporting, monitoring, and validation processes that help ensure data quality and operational stability throughout the migration effort
- Support go-live activities, including user acceptance testing, issue triage, process documentation, and stakeholder communications
- Contribute to change management efforts by creating training materials, documenting workflows, and supporting end-user adoption of new processes
- Leverage AI agents and modern tooling to accelerate testing, reconciliation, documentation, and root-cause investigation, continuously improving the speed and quality of the migration effort
Skills
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Engineering, Analytics, or a related quantitative field (or equivalent practical experience)
- 6+ years of experience in credit analytics, risk analytics, financial services analytics, or a related quantitative function
- Experience performing data validation, reconciliation, testing, or quality assurance activities for analytical or operational processes
- Advanced SQL skills and experience working with large datasets
- Experience using spreadsheet-based analytical models and translating business requirements into scalable processes or systems
- Knowledge of consumer lending, credit risk, loan performance monitoring, or portfolio analytics
- Experience supporting technology implementations, system migrations, or process transformation initiatives
- Ability to investigate data discrepancies and partner with technical teams to resolve root-cause issues
- Experience creating process documentation, training materials, or operational readiness plans
- Skills in Python, R, or business intelligence tools used for reporting and analysis
Benefits
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan 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 designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Income protection benefits, including life insurance and disability coverage for added financial security
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (duration varies by country)
- Family-centered benefits to support 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 your physical and emotional well-being and personal development, based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- 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 one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
Company Overview