Remote Asset Quality & Model Oversight Analyst

Upstart; Northern (KY); Hybrid; USD 116,000 - 160,000; Full time

Benefits offered by this job

Competitive compensation

Annual equity grants

401k

Health coverage

Paid time off

Remote-friendly culture

Job summary

Upstart is hiring an Analyst, Asset Quality & Model Oversight to support loan-level reviews, organize portfolio and model performance data, and draft governance deliverables for bank partners and regulators.

You will report to the Senior Manager and collaborate with Credit Risk, Capital Markets, and Model Risk Management to ensure salability and control readiness across unsecured lending.

Qualifications

• 3+ years of experience in financial services, credit operations, quality control, risk management, compliance, model monitoring, loan review, or a related analytical function.
• Experience applying established review criteria to loan-level data, credit files, origination documentation, collateral documentation, or lending operations outputs.
• Experience analyzing portfolio performance, asset quality indicators, credit policy exceptions, loan defects, remediation items, or operational risk trends.
• Experience using Excel, Google Sheets, SQL, business intelligence tools, reporting tools, or similar systems to organize, analyze, and quality-check structured data.
• Experience documenting findings, exceptions, issue status, remediation progress, or review results for risk, compliance, credit, operations, audit, bank partner, or regulatory stakeholders.

Responsibilities

• Execute loan-level quality reviews across unsecured lending originations, assessing documentation completeness, underwriting accuracy, eligibility adherence, collateral quality, and other salability criteria.
• Pull, organize, and analyze portfolio performance data, including early payment defaults, delinquency trends, prepayment rates, loss severity, exception patterns, and other asset quality indicators.
• Maintain recurring asset quality and salability risk reporting packages for bank partners, Capital Markets, and internal leaders, including data pulls, analysis, formatting, and quality checks.
• Execute first-line model performance tracking — maintaining production model tracking tools, logging override and exception trends, tracking version changes, and independently flagging patterns that may indicate performance degradation or out-of-bounds behavior for escalation.
• Maintain issue logs, defect trackers, remediation updates, and documentation libraries so records stay current, organized, and ready for bank partner or regulatory review.
• Drive governance and exam readiness deliverables — independently assembling evidence packages, populating reporting templates, and coordinating materials for bank partner reviews, committee deliverables, and regulatory examinations.

Skills

Excel

SQL

Google Sheets

BI Tools

Data analysis

Risk assessment

Tools

Business intelligence tools

Job description

Upstart is hiring an Analyst, Asset Quality & Model Oversight to support loan-level reviews, organize portfolio and model performance data, and draft governance deliverables for bank partners and regulators.

You will report to the Senior Manager and collaborate with Credit Risk, Capital Markets, and Model Risk Management to ensure salability and control readiness across unsecured lending.