Senior Credit Analytics Lead (Remote)

Upstart; Toronto; On-site; CAD 193,000 - 241,000; Full time

Benefits offered by this job

Competitive compensation

Equity compensation

Retirement benefits

Health coverage

Job summary

Upstart is a digital-first AI lending marketplace and is seeking a Staff Credit Analyst to contribute to high-impact credit analytics, supporting portfolio strategy, financial planning, and funding decisions. You will collaborate with Machine Learning, Finance, Product, Engineering, and Capital teams to translate complex credit dynamics into actionable insights and scalable analytical solutions.

This role offers exposure to credit forecasting and valuation, portfolio analytics, and risk capital

Qualifications

• 5+ years in analytics, credit risk, or related fintech field.
• Experience with credit risk, loss forecasting, portfolio analytics.
• Knowledge of risk capital, securitizations or warehouse facilities.
• Strong SQL and Python or R skills.
• Experience with large datasets and reproducible analyses.

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.

Skills

SQL

Python or R

Analytical thinking

Communication

Fintech domain knowledge

Job description

Upstart is a digital-first AI lending marketplace and is seeking a Staff Credit Analyst to contribute to high-impact credit analytics, supporting portfolio strategy, financial planning, and funding decisions. You will collaborate with Machine Learning, Finance, Product, Engineering, and Capital teams to translate complex credit dynamics into actionable insights and scalable analytical solutions.

This role offers exposure to credit forecasting and valuation, portfolio analytics, and risk capital