Credit Capital Risk Management Associate
Credit Capital Risk Management Associate
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Job Description
About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts AI marketplace Upstartpowered banks and credit unions can have higher approval rates and lower loss rates across races ages and genders while simultaneously delivering the exceptional digitalfirst lending experience their customers demand. More than 80 of borrowers are approved instantly with zero documentation to upload.
Upstart is a digitalfirst company which means that most Upstarters live and work anywhere in the United States. However we also have offices in San Mateo California; Columbus Ohio; and Austin Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart wed love to hear from you!
The Team:
Upstarts Capital Markets team plays a pivotal role in securing loan funding capital for our AI lending marketplace. We collaborate with leading institutional investors across a diverse range of financing and funding solutions including securitizations whole loan sales coinvestment partnerships and other structured transactions.
As the Credit & Capital Risk Management Associate at Upstart you will support key risk management initiatives for Upstarts loan portfolios and coinvestment structures. In this role you will analyze and interpret complex credit underwriting and performance drivers within our AIbased lending models. Your insights will shape our risk management strategies and investor narratives in a highly dynamic and evolving market.
Position Location This role is available in the following locations: Remote
Time Zone Requirements This team operates on the East/West Coast time zones.
Travel Requirements As a digital first company the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time inperson collaborating via regular onsites. The inperson sessions cadence varies depending on the team and role; most teams meet once a month or once a quarter for 24 consecutive days at a time.
How youll make an impact:
- Assist in monitoring and managing credit risks across Upstarts loan portfolios and investment structures.
- Conduct datadriven analysis to assess credit performance trends and underwriting dynamics.
- Support the development of investorfacing credit narratives and advocacy on AIbased credit underwriting models.
- Collaborate crossfunctionally with capital markets analytics and finance teams to enhance risk assessment frameworks.
- Support internal and external reporting requirements on our risk capital or coinvestment structures.
What were looking for:
- Minimum requirements:
- Bachelors degree in Finance Economics or a related field.
- 25 years of experience in credit risk capital markets structured finance or a related area.
- Strong analytical skills with ability to manage complex cashflow models
- Excellent communication skills with the ability to translate complex analyses into clear insights.
- Preferred qualifications:
- Proven success in working in a fastpaced dynamic environment
- Familiarity with AIbased underwriting models is a plus
- Experience working with large datasets (SQL Python or VBA)
At Upstart your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic locationwith our digital first philosophy Upstart uses compensation regions that vary depending on location. Individual pay is also determined by jobrelated skills experience and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition Upstart provides employees with target bonuses equity compensation and generous benefits packages (including medical dental vision and 401k).
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures backgrounds perspectives and experiences and know that we can only become better together.
If you require reasonable accommodation in completing an application interviewing completing any preemployment testing or otherwise participating in the employee selection process please email
IC
Employment Type
Full Time
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