Senior Manager, Risk Analytics

Upstart

1d•Remote

About The Position

Upstart's Risk team is hiring to enhance its second line of defense function in support of its application to establish a national bank. The Risk team is responsible for Upstart’s enterprise risk management program and risk governance, as well as for providing independent oversight and credible challenge across the following risk categories: operational risk, treasury risk (including liquidity risk, interest rate risk, price risk, and capital management), and operational risk. We partner with first-line business functions, senior and executive leadership, and the board of directors to ensure effective identification and assessment, measurement, monitoring and reporting, and response and control for all core risk types and in alignment with regulatory expectations. Upstart is hiring a Senior Manager, Risk Analytics to build and own the Risk teams’ risk data and analytics program, including the Key Risk Indicator (KRI) program and framework and quantitative risk reporting infrastructure. This role will work with first-line risk owners and second-line risk subject matter experts to: design and develop robust and scalable risk data models to empower the Risk team to retrieve meaningful insights; establish key risk indicators (KRIs) for all risk categories; implement centralized aggregation, monitoring, and reporting of those KRIs; and enforce a consistent methodology for risk metric measurement, threshold setting and monitoring, and breach escalation protocol and response framework. Additionally, this role will provide risk data support to all second-line risk teams, and will be a key standard setter for cross-team GRC tool usage. By establishing and running a centralized, quantitative risk monitoring program for Upstart Bank, this role is a key component of the overall ERM program, and will be a partner to senior first-line risk owners and second-line risk experts across all domains, as well as a liaison to external stakeholders such as examiners and auditors on the risk metrics program.

Requirements

Bachelor's degree or equivalent practical experience
7+ years of experience in risk analytics, or a related quantitative function in a banking or financial services environment
Strong understanding of data modeling concepts in both transactional and analytical databases
Demonstrated experience with risk data aggregation, KRI design and monitoring, or risk reporting infrastructure
Expertise in SQL, Python and ETL optimization techniques; as well as data tools such as Looker, Mode, or comparable BI/analytics platforms

Nice To Haves

Experience in a bank or OCC-regulated institution, particularly building risk monitoring programs in advance of regulatory examination
Familiarity with OCC or Federal Reserve expectations for enterprise risk reporting and KRI frameworks
Knowledge of quantitative risk measurement techniques such as scenario analysis or risk scoring methodologies
Experience building automated data pipelines or dashboards for regulatory or executive reporting
Experience implementing or managing a bank-grade GRC tool
Strong project management skills with a track record of independently driving programs from design to implementation

Responsibilities

Understand how data is produced and consumed at a deep level in order to design risk data pipelines and models and build curated data sets to support enterprise-wide risk monitoring and reporting
Own and manage the KRI program, collaborating with first-line risk owners and second-line risk domain SMEs to design, track, and report on risk metrics across all risk types and business activities
Build and maintain risk reporting infrastructure, including dynamic dashboards, snapshot reporting, and risk data infrastructure and aggregation capabilities using existing company data sets and tools (e.g., Looker, Jira, Mode)
Meet consumers of risk data where they are by wearing an educator’s hat and training them on risk dashboards and tools
Provide data and analytical support for enterprise risk assessments, management and board reporting, exam and audit requests, and ad hoc risk data requests
Partner with leaders in Risk to translate risk program requirements into scalable, repeatable data and reporting solutions
Support the setup, maintenance, and administration of the GRC tool for all Risk teams by defining cross-team

Benefits

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
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
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 and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).