Note: The job is a remote job and is open to candidates in USA. Upstart is an AI lending marketplace focused on reducing the cost and complexity of borrowing through technology. The Staff Credit Analyst will support the migration of credit analytics and operational processes from spreadsheet-based workflows to an internal platform by testing functionality, reconciling outputs, investigating issues, and supporting rollout and adoption.
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
- This role is available in the following locations: Remote
- The team operates on West Coast time zones
- The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time
- 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
- Remote work arrangement
- Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.
Company Overview
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