Senior Credit Analyst

Upstart•Columbus, OH

5d•$25 - $25•Hybrid

About The Position

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s Auto Onboarding team is responsible for reviewing applications for Auto-Refinancing loans, Auto Retail Indirect loans, and Auto-secured Personal Loans . These products are all expanding and dedicated agents will ensure the success of these programs as we grow. As a Senior Credit Analyst at Upstart, you will be responsible for reviewing applications in a timely manner and with strict adherence to established policies and procedures . You will also be responsible for communicating with customers and business partners as needs arise. Your feedback and insights to the customer experience will be vital for improving our products and internal tools with an eye towards automation and growth.

Requirements

Must have 3+ months of experience with Upstart Auto products or 9+ months of experience with Upstart Onboarding
Demonstrate and maintain high quality in core work and actively help others reach their own goals. In particular, you must have a 90% or greater 4-week rolling average productivity score and a 95% or greater 8-week rolling average quality score.
Demonstrate integrity, ethics, and Upstart values at all times; sets an excellent example for colleagues
Demonstrate patience alongside efficiency; can triage and prioritize responsibilities, takes ownership, and drives problems to resolution
Able to make judgment calls amid ambiguity and understand the cross-functional impact of decisions

Nice To Haves

Demonstrate deep knowledge of Operations procedures and processes, especially with regard to the auto products
Proactively seek ways to make Operations better on a day-to-day basis

Responsibilities

Flexibly alternate between significant core work responsibilities (application review) and slack coverage
Act as the first-line responder for FCR/CE/CA questions
Stay up to date on policy changes or program improvements
Detect abnormalities and bugs by analyzing incoming documents, cases, and dashboards
Use critical thinking and good judgment in ambiguous situations

Benefits

Competitive Compensation (base + bonus & equity)
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
Employee Stock Purchase Plan (ESPP)
Life and disability insurance
Generous holiday, vacation, sick and safety leave
Supportive parental, family care, and military leave programs
Annual wellness, technology & ergonomic reimbursement programs
Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
Catered lunches + snacks & drinks when working in offices