Staff Credit Analyst — AI-Driven Lending Analytics (Remote)

Upstart; United States; Remote; USD 157,000 - 218,000; Full time

Benefits offered by this job

Competitive total compensation

Annual equity grants

401(k) with company match

Health coverage

Job summary

Upstart is seeking a Staff Credit Analyst to advance credit analytics for portfolio forecasting, risk capital analytics, and funding decisions. You will work with Machine Learning, Finance, Product, Engineering, and Capital teams to translate complex credit dynamics into scalable analytical solutions.

You will deepen expertise in forecasting, valuation, and portfolio analytics while improving tools, processes, and governance for credit performance management.

Qualifications

• 5+ years of analytics/credit risk experience in fintech or lending.
• Experience with credit risk, loss forecasting, portfolio analytics, or valuation.
• Knowledge of risk capital or structured finance concepts (securitizations, warehouse facilities, forward-flow).
• Strong SQL and at least one programming language (Python or R).
• Ability to turn complex analyses into clear, actionable business insights.

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 clear recommendations for product, credit policy, finance, and funding stakeholders.
• Partner with cross-functional teams to align on definitions, metrics, analytical frameworks, and business requirements.
• Build and improve data models, pipelines, dashboards, and automated reporting to enable reliable, self-serve insights.
• Establish strong practices for analytical validation, monitoring, documentation, and governance.
• Communicate complex analyses clearly to both technical and non-technical audiences.

Skills

SQL

Python or R

Data analysis

Communication

Collaboration

Job description

Upstart is seeking a Staff Credit Analyst to advance credit analytics for portfolio forecasting, risk capital analytics, and funding decisions. You will work with Machine Learning, Finance, Product, Engineering, and Capital teams to translate complex credit dynamics into scalable analytical solutions.

You will deepen expertise in forecasting, valuation, and portfolio analytics while improving tools, processes, and governance for credit performance management.