Principal Analyst, Credit Analytics

The Team:

The Analytics team at Upstart is at the forefront of AIMLdriven credit lending across the organization. Our team employs advanced 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 loan performance and forecasting, market cycles and emerging trends, risk and return tradeoffs, among others. We also take pride in developing our business intelligence tools to empower selfservice reporting and streamlining work processes through automation.

As a Principal Analyst at Upstart, you will join our Credit Analytics horizontal team. In this multidisciplinary role, you will drive strategic workstreams spanning across valuation and credit oversight, shaping and handson scaling our analytics processes, credit performance frameworks, and postorigination forecasting methodologies. Collaborating across Data Analytics, Machine Learning, Product, and Finance teams, you will spearhead crossfunctional initiatives that embed rigorous valuation models, forwardlooking credit governance, and automated processes—empowering Upstart’s multiproduct growth and reinforcing our market leadership in lending.

How you’ll make an impact:

• 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 investorlending 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 indepth analyses on credit data, trends, and anomalies that drive model and product decisions
• Develop foundational forecast 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

• Minimum Qualifications:

  • 8+ years professional experience with demonstrated growth and leadership in technology and financial industry
  • Experience in developing credit analytics, financial forecasting, andor quantitative risk models 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 Quantitative FinanceEconomics, Statistics, Engineering, Data Science or other quantitative fields

  • Preferred Qualifications:

    • Demonstrated ability to work collaboratively and in deep partnership with crossfunctional colleagues especially in Finance, Product, Data Engineering, ML teams
    • Ability to craft executiveready narratives around complex business or performance topics, leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker), and to successfully influence and drive Clevel decisionmaking
    • Experience in SOX controlled reporting or regulatory reporting cycles
    • Experience in consumer lending strategy, andor investment experience in consumer credit capital markets, private credit, structured products
    • Experience in developing junior team members on technical subjects

    • Position location This role is available in the following locations: Remote

      Time zone requirements The team operates on the West coast time zones.

      Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time inperson collaborating via regular onsites. The inperson sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 24 consecutive days at a time.

      At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by jobrelated skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

      In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

      United States | Remote Anticipated Base Salary Range

      $182,300—$252,500 USD

      Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.

      If you require reasonable accommodation in completing an application, interviewing, completing any preemployment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

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