Data Analyst, Home Lending

Upstart

7d•$145,100 - $201,100•Remote

About The Position

Upstart's Home Lending Legal, Regulatory, and Risk Management team plays a critical role in enabling the growth and stability of our Home Lending business. We work cross-functionally with Operations, Engineering, Product, Legal, Risk, and Compliance to ensure that Upstart’s home lending activities meet regulatory standards and align with best practices. Our team is focused on building scalable, effective, and forward-looking compliance oversight that empowers business success while managing risk. The Data Analyst, Home Lending role will be critical in strengthening our first-line secured lending data, reporting, and risk oversight capabilities. The ideal candidate will own and support regulatory and management reporting across HMDA, CRA, Call Reporting, fair lending data, portfolio performance, and loan-level quality controls. They will help ensure our data pipelines, reconciliations, dashboards, and analytical packages are accurate, timely, and exam-ready, while partnering cross-functionally with compliance, risk, operations, and business teams in a highly regulated lending environment.

Requirements

5+ years of experience with data collection, reporting, or compliance reporting and monitoring.
Strong understanding of mortgage lending operations and regulatory data requirements.
Excellent analytical, organizational, and problem-solving skills.
Ability to work cross-functionally and manage deadlines in a highly regulated environment.
Proficiency with loan origination, compliance, or data reporting systems.

Nice To Haves

Prior experience preparing HMDA LAR, CRA data, and Call Report submissions.
Familiarity with fair lending, mortgage compliance, or consumer lending compliance.
Experience supporting regulatory exams, audits, or compliance testing.

Responsibilities

Own first-line secured lending data and reporting support, including regulatory reporting inputs, data integrity, reconciliations, and timely loan-level reporting
Lead regulatory and risk reporting for home lending, including filing our HMDA LAR, mapping Call Report feeds, tracking CRA activity, and performing loan-level quality checks on data used for fair lending and compliance testing
Produce risk dashboards and management reporting across portfolio, channel, geography, delinquency, vintage, concentration, and product performance
Maintain core data pipelines, controls, and aggregation capabilities supporting reliable product- and portfolio-level reporting
Provide reporting for product risk oversight, including channel, underwriting, pricing, override, and exception reporting
Support exams, committees, and business continuity planning through data extracts, analytical packages, reporting materials, and recovery-planning inputs

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!)