Staff Data Analyst, Credit Analytics

Upstart Inc.•San Mateo, CA

50d•Remote

About The Position

The Analytics team at Upstart is at the forefront of AI/ML-driven credit lending across the organization. Our team employs analytical and technical prowess to deliver comprehensive support in Upstart's lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on forecasting and oversights, to inform business decisions across market cycles, emerging trends, risk and return trade-offs, among others. We also take pride in developing our business intelligence tools to empower self-service insight discovery and reporting automation. As a Staff Analyst at Upstart, you will join our Credit Analytics horizontal team, focusing on line of credit products. You will lead workstreams in driving critical insights and decisions concerning credit performance and strategies, and contributing to the long term development in underwriting framework and analytics infrastructure.The credit oversight pillar is building out a best in class data driven credit forum, ensuring continuous feedback loop with product and business roadmaps. You will be collaborating closely with other Data Analytics, Machine Learning, and Product teams, you will spearhead initiatives that support Upstart's multi-product growth and extend our market leadership in lending.

Requirements

6+ years in professional experience in technology and financial industries
Expertise in credit analytics, decision, and/or quantitative financial model development with Python, R, & SQL
Experience in decisioning supported by large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, & Redshift
Degree in Economics, Statistics, Engineering, Data Science or other quantitative fields

Nice To Haves

Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams
Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker), and to successfully influence and drive C-level decision-making
Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products
Experience in coaching and mentoring junior team members on technical subjects

Responsibilities

Partner with the Data Analytics vertical teams, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics and narratives, financial forecast, and driving consensus in the state of Upstart platform
Influence Upstart's credit platform and investor/lending community through informing decisions, opportunities, and risks, while supported by deep understanding and insights on Upstart's machine learning model, credit, and valuation
Lead and develop analytics on underwriting decisions, credit monitoring, model impacts, asset forecast, and valuation modeling to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions
Build foundational forecast models, data pipelines, and automated reporting to enable robust and dynamic credit intelligence for Upstart analyst community
Mentor junior team members on best practices and foster a center of excellence on data, credit, and analytics

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