Principal Credit Analytics Lead (Remote)

Upstart; United States; Remote; USD 182,300 - 252,500; Full time

Benefits offered by this job

401(k) match

Equity grants

ESPP

Health coverage

Wellness allowance

Productivity allowance

Remote-friendly culture

Job summary

Upstart is seeking a Principal Credit Analytics professional to drive forecasting, valuation, and risk capital analytics across the Credit Analytics team. You’ll partner with ML, Finance, Product, and Capital to translate complex credit dynamics into scalable insights and systems.

You will own core analytics domains, advance forecasting methodologies, contribute to risk capital analytics, and deliver actionable recommendations that shape portfolio strategy and funding decisions.

Qualifications

• 7+ years of experience in analytics, credit risk, or quantitative finance within fintech, financial services, or related industries.
• Experience building or applying credit risk / loss forecasting, portfolio analytics, or valuation frameworks in consumer lending or similar domains.
• Exposure to risk capital or structured finance concepts (e.g., securitizations, warehouse facilities, forward flow, or investor reporting).
• Strong analytical and technical skills, including proficiency in SQL and at least one programming language (Python or R), and experience working with large datasets.

Responsibilities

• Own a core analytics domain within Credit Analytics (forecasting & valuation or risk capital), driving execution and continuous improvement of frameworks that power portfolio monitoring, planning, and decision‑making.
• Develop and enhance credit forecasting and valuation methodologies, including loss forecasting, scenario analysis, and portfolio performance measurement, ensuring outputs are accurate, explainable, and decision‑useful.
• Contribute to risk capital analytics and reporting, supporting funding strategies such as securitizations, warehouse facilities, and forward‑flow programs through robust performance tracking, stress scenarios, and risk/return analysis.
• Translate analytics into business impact, delivering clear insights and recommendations that guide product strategy, credit policy, and funding decisions.
• Partner cross‑functionally with ML, Finance, Product, Engineering, and Capital teams to align on definitions, metrics, and frameworks, and to integrate analytics into core workflows and decision processes.
• Build and scale analytics infrastructure, including data models, pipelines, dashboards, and reporting tools that enable consistent, self‑serve insights across stakeholders.
• Uplevel analytical rigor and processes, establishing best practices for validation, monitoring, and governance of credit models and analytics outputs.

Skills

SQL

Python

Data analysis

Stakeholder communication

Credit analytics

Tools

SQL

Pandas

Excel

Job description

Upstart is seeking a Principal Credit Analytics professional to drive forecasting, valuation, and risk capital analytics across the Credit Analytics team. You’ll partner with ML, Finance, Product, and Capital to translate complex credit dynamics into scalable insights and systems.

You will own core analytics domains, advance forecasting methodologies, contribute to risk capital analytics, and deliver actionable recommendations that shape portfolio strategy and funding decisions.