Staff Analyst

Upstart

5h•$157,000 - $217,500•Remote

About The Position

Upstart's Credit Analytics team is at the center of how we understand, forecast, and communicate credit performance across the company. The team builds the frameworks, infrastructure, and insights that connect our AI-driven underwriting, portfolio performance, and funding strategy, ensuring decisions are grounded in a rigorous and forward-looking view of risk and return. As a Staff Credit Analyst, you will contribute to high-impact credit analytics supporting portfolio strategy, financial planning, and funding decisions. You will work closely with Machine Learning, Finance, Product, Engineering, and Capital teams to translate complex credit dynamics into actionable insights and scalable analytical solutions. This role offers the opportunity to deepen expertise across credit forecasting and valuation, portfolio analytics, and risk capital analytics while helping improve the tools and processes used to monitor and manage credit performance.

Requirements

5+ years of experience in analytics, credit risk, quantitative finance, or a related field within fintech, financial services, consumer lending, or a similar industry.
Experience with credit risk, loss forecasting, portfolio analytics, valuation, or related financial-performance frameworks.
Working knowledge of risk capital or structured finance concepts, such as securitizations, warehouse facilities, forward-flow programs, or investor reporting.
Strong SQL skills and proficiency in at least one programming language, such as Python or R.
Experience working with large datasets and developing repeatable, well-documented analyses.
Ability to turn complex analytical work into clear, actionable business insights.
Strong written and verbal communication skills, with the ability to collaborate effectively across functions.

Nice To Haves

Experience partnering with Machine Learning or Data Science teams, particularly in underwriting or model-performance monitoring.
Familiarity with capital analytics, deal economics, and risk/return frameworks.
Experience building analytics infrastructure, dashboards, automated reporting, or GenAI-enabled analytical solutions.
Exposure to model governance, controls, audit, model validation, or valuation review processes.
Demonstrated ability to manage analytical projects, influence stakeholders, and drive alignment.

Responsibilities

Develop and maintain credit analytics used for portfolio monitoring, forecasting, valuation, and decision-making.
Support loss forecasting, scenario analysis, portfolio performance measurement, and related reporting.
Contribute to risk capital analytics for funding strategies, including securitizations, warehouse facilities, and forward-flow programs.
Analyze portfolio trends and translate findings into clear recommendations for product, credit policy, finance, and funding stakeholders.
Partner with cross-functional teams to align on definitions, metrics, analytical frameworks, and business requirements.
Build and improve data models, pipelines, dashboards, and automated reporting to enable reliable, self-serve insights.
Establish strong practices for analytical validation, monitoring, documentation, and governance.
Communicate complex analyses clearly to both technical and non-technical audiences.

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!)