Credit Analyst

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team: 

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.

How you’ll make an impact

• 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.

Minimum Qualifications 

• 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.

**Preferred Qualifications
**

• 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.

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 in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

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 job-related 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$157,000—$217,500 USD

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 job-related 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).

Canada | Remote - Anticipated Base Salary Range$140,300—$175,000 USD

What you'll love

At Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:

• 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

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

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

https://www.upstart.com/candidate_privacy_policy