Senior Credit Analytics Analyst – Remote, Impactful Lending

Upstart; Northern (KY); Hybrid; USD 157,000 - 218,000; Full time

Benefits offered by this job

Competitive compensation

Equity compensation

Health, dental, vision coverage

401(k) benefits

Remote-friendly with onsite sessions

Job summary

Upstart is a leading AI lending marketplace enabling affordable credit through innovative technology and data-driven underwriting. The Staff Credit Analyst role sits within the Credit Analytics team, partnering with ML, Finance, Product, Engineering, and Capital to translate credit dynamics into scalable insights.

The position offers a remote-friendly arrangement with competitive compensation, equity, and comprehensive benefits.

Qualifications

• 5+ years of experience in analytics, credit risk, quantitative finance, or related field within fintech/financial services.
• Experience with credit risk, loss forecasting, portfolio analytics, valuation, or related frameworks.
• Knowledge of risk capital or structured finance concepts like securitizations, warehouse facilities, forward-flow programs, or investor reporting.
• Strong SQL skills and proficiency in Python or R.
• Experience with large datasets and developing repeatable analyses.
• Ability to turn complex analytical work into clear, actionable business insights.
• Strong written and verbal communication skills with cross-functional collaboration.

Responsibilities

• Develop and maintain credit analytics 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 and warehouse facilities.
• Analyze portfolio trends and translate findings into recommendations for product, credit policy, finance, and funding stakeholders.
• Partner with cross-functional teams to align on definitions, metrics, and business requirements.
• Build and improve data models, pipelines, dashboards, and automated reporting for self-serve insights.
• Establish governance, validation, monitoring, and documentation practices for analytics.
• Clearly communicate complex analyses to both technical and non-technical audiences.

Skills

SQL

Python

R

Job description

Upstart is a leading AI lending marketplace enabling affordable credit through innovative technology and data-driven underwriting. The Staff Credit Analyst role sits within the Credit Analytics team, partnering with ML, Finance, Product, Engineering, and Capital to translate credit dynamics into scalable insights.

The position offers a remote-friendly arrangement with competitive compensation, equity, and comprehensive benefits.