Remote Loan Salability & Model Governance Analyst

Upstart; Burlingame (CA); On-site; USD 116,000 - 160,000; Full time

Benefits offered by this job

Competitive compensation

401(k) with company match

Employee stock purchase plan

Comprehensive health coverage

Paid time off

Job summary

Upstart is hiring for an Analyst, Loan Salability & First-Line Model Governance to support day-to-day governance and reporting for secured lending products. You will work with Credit Risk, Capital Markets, Model Risk Management, and Operations to maintain data, reports, and governance deliverables.

The role emphasizes loan-level reviews, portfolio data analysis, and model performance tracking, reporting, and regulatory readiness.

Qualifications

• Experience using Excel, Google Sheets, SQL, BI tools to organize, analyze, and quality-check structured data.
• 3 years in financial services, credit operations, risk management, or related analytical function.
• Experience applying established review criteria to loan-level data and origination documentation.
• Experience analyzing portfolio performance and asset quality indicators.
• Experience documenting findings, exceptions, issue status, remediation progress, or review results for stakeholders.

Responsibilities

• Execute loan-level quality reviews across secured 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 flagging performance degradation 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 — assemble evidence packages, populate reporting templates, and coordinate materials for bank partner reviews and regulatory examinations.

Skills

Excel

SQL

Data analysis

Risk monitoring

Documentation

Tools

BI tools

Job description

Upstart is hiring for an Analyst, Loan Salability & First-Line Model Governance to support day-to-day governance and reporting for secured lending products. You will work with Credit Risk, Capital Markets, Model Risk Management, and Operations to maintain data, reports, and governance deliverables.

The role emphasizes loan-level reviews, portfolio data analysis, and model performance tracking, reporting, and regulatory readiness.