Credit & Capital Risk Management Associate

Upstart; United States; Remote; USD 60,000 - 100,000; Full time

Job summary

Join a forward-thinking company as a Credit & Capital Risk Management Associate, where your analytical skills will be crucial in shaping risk management strategies for an innovative AI lending marketplace. This role offers the opportunity to work remotely while collaborating with diverse teams to enhance risk assessment frameworks and develop impactful narratives for investors. If you're passionate about finance and eager to make a meaningful impact in a dynamic environment, this position is perfect for you. Embrace the chance to influence the future of lending with cutting-edge AI technology.

Qualifications

• 2-5 years of experience in credit risk or capital markets.
• Strong analytical skills to manage complex cash flow models.

Responsibilities

• Monitor and manage credit risks across loan portfolios.
• Conduct data-driven analysis to assess credit performance trends.

Skills

Analytical Skills

Communication Skills

Credit Risk Management

Structured Finance

Data Analysis

Education

Bachelor’s degree in Finance

Bachelor’s degree in Economics

Tools

SQL

Python

VBA

Job description

The Team:

Upstart’s Capital Markets team plays a pivotal role in securing loan funding capital for our AI lending marketplace. We collaborate with leading institutional investors across a diverse range of financing and funding solutions, including securitizations, whole loan sales, co-investment partnerships, and other structured transactions.

As the Credit & Capital Risk Management Associate at Upstart, you will support key risk management initiatives for Upstart’s loan portfolios and co-investment structures. In this role, you will analyze and interpret complex credit underwriting and performance drivers within our AI-based lending models. Your insights will shape our risk management strategies and investor narratives in a highly dynamic and evolving market.

Position Location - This role is available in the following locations: Remote

Time Zone Requirements - This team operates on the East/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 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 a month or once a quarter for 2-4 consecutive days at a time.

How you’ll make an impact:

• Assist in monitoring and managing credit risks across Upstart’s loan portfolios and investment structures.
• Conduct data-driven analysis to assess credit performance trends and underwriting dynamics.
• Support the development of investor-facing credit narratives and advocacy on AI-based credit underwriting models.
• Collaborate cross-functionally with capital markets, analytics, and finance teams to enhance risk assessment frameworks.
• Support internal and external reporting requirements on our risk capital or co-investment structures.

What we’re looking for:

• Minimum requirements:
• Bachelor’s degree in Finance, Economics, or a related field.
• 2-5 years of experience in credit risk, capital markets, structured finance, or a related area.
• Strong analytical skills with the ability to manage complex cash flow models.
• Excellent communication skills, with the ability to translate complex analyses into clear insights.

• Preferred qualifications:
• Proven success in working in a fast-paced, dynamic environment.
• Familiarity with AI-based underwriting models is a plus.
• Experience working with large datasets (SQL, Python, or VBA).