Staff Credit Analyst (Temporary)

Upstart

2h•$76 - $89•Remote

About The Position

Upstart's Credit Analytics team is responsible for understanding, monitoring, and communicating credit performance across the company. The team develops the processes, tools, and insights that support portfolio monitoring, forecasting, reporting, and risk management. As a Staff Credit Analyst (Contractor) at Upstart, you will play a critical role in supporting the migration of key credit analytics and operational processes from legacy spreadsheet-based workflows into a newly developed internal platform. You will partner closely with Credit Analytics, Product, Engineering, and Operations teams to validate functionality, reconcile outputs, identify issues, and support a successful rollout and adoption of the new system.

Requirements

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.

Nice To Haves

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.

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.

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!)