Staff Credit Analyst - Remote, Impactful Analytics

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

Benefits offered by this job

Competitive compensation

Bonus opportunities

Equity compensation

401(k) with company match

Generous health benefits

Remote-friendly culture

Job summary

Upstart, the AI-powered lending platform, is seeking a Staff Credit Analyst to advance credit analytics across portfolio strategy, forecasting, and funding decisions. You will collaborate with Machine Learning, Finance, Product, Engineering, and Capital teams to translate complex credit dynamics into scalable analytical solutions.

This role offers exposure to credit forecasting, valuation, and risk capital analytics while improving data models, dashboards, and automated reporting for reliable,

Qualifications

• 5+ years in analytics, credit risk, or fintech.
• Experience with credit risk, loss forecasting, or portfolio analytics.
• Knowledge of risk capital, securitizations, and investor reporting.
• Strong SQL and Python or R.
• Experience with large datasets and repeatable analyses.
• Ability to translate analyses into actionable business insights.
• Excellent written and verbal communication across teams.

Responsibilities

• Develop and maintain credit analytics used 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, warehouse facilities, and forward-flow programs.
• 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

R

Data analysis

Large datasets

Communication

Job description

Upstart, the AI-powered lending platform, is seeking a Staff Credit Analyst to advance credit analytics across portfolio strategy, forecasting, and funding decisions. You will collaborate with Machine Learning, Finance, Product, Engineering, and Capital teams to translate complex credit dynamics into scalable analytical solutions.

This role offers exposure to credit forecasting, valuation, and risk capital analytics while improving data models, dashboards, and automated reporting for reliable,