Staff Data Analyst, Credit Analytics
Share
Job Location:
San Mateo, CA - USA
Monthly Salary:
Not Disclosed
Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
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 Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races ages and genders while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload.
Upstart is a digital-first 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; Austin Texas; and New York City NY (opening Summer 2026).
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:
The Analytics team at Upstart is at the forefront of AI/ML-driven credit lending across the organization. Our team employs analytical and technical prowess to deliver comprehensive support in Upstarts lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on forecasting and oversights to inform business decisions across market cycles emerging trends risk and return trade-offs among others. We also take pride in developing our business intelligence tools to empower self-service insight discovery and reporting automation.
As a Staff Analyst at Upstart you will join our Credit Analytics horizontal team focusing on line of credit products. You will lead workstreams in driving critical insights and decisions concerning credit performance and strategies and contributing to the long term development in underwriting framework and analytics credit oversight pillar is building out a best in class data driven credit forum ensuring continuous feedback loop with product and business roadmaps. You will be collaborating closely with other Data Analytics Machine Learning and Product teams you will spearhead initiatives that support Upstarts multi-product growth and extend our market leadership in lending.
How youll make an impact:
- Partner with the Data Analytics vertical teams Machine Learning Product Engineering and Finance teams to shape credit metrics and narratives financial forecast and driving consensus in the state of Upstart platform
- Influence Upstarts credit platform and investor/lending community through informing decisions opportunities and risks while supported by deep understanding and insights on Upstarts machine learning model credit and valuation
- Lead and develop analytics on underwriting decisions credit monitoring model impacts asset forecast and valuation modeling to conduct in-depth analyses on credit data trends and anomalies that drive model and product decisions
- Build foundational forecast models data pipelines and automated reporting to enable robust and dynamic credit intelligence for Upstart analyst community
- Mentor junior team members on best practices and foster a center of excellence on data credit and analytics
What were looking for:
- Minimum qualifications:
- 6 years in professional experience in technology and financial industries
- Expertise in credit analytics decision and/or quantitative financial model development with Python R & SQL
- Experience in decisioning supported by large datasets data modeling and data pipelines using tools like Databricks DBT Looker Snowflake & Redshift
- Degree in Economics Statistics Engineering Data Science or other quantitative fields
- Preferred qualifications:
- Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance Product Data Engineering ML teams
- Ability to craft executive-ready narratives around complex business or performance topics leveraging visualization and dashboards (e.g. Tableau PowerBI Looker) and to successfully influence and drive C-level decision-making
- Experience in consumer lending strategy and/or investment experience in consumer credit capital markets private credit structured products
- Experience in coaching and mentoring junior team members on technical subjects
What youll love:
- Competitive Compensation (base bonus & equity)
- Comprehensive medical dental and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday vacation sick and safety leave
- Supportive parental family care and military leave programs
- Annual wellness technology & ergonomic reimbursement programs
- Social activities including team events and onsites all-company updates employee resource groups (ERGs) and other interest groups such as book clubs fitness investing and volunteering
- Catered lunches snacks & drinks when working in offices
Position location - This role is available in the following locations: Remote
Time zone requirements - The team operates on the 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 in-person collaborating via regular onsites. The in-person sessions cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
#LI-REMOTE
#LI-MidSenior
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 job-related 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. Just as we are dedicated to improving access to affordable credit for all we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application interviewing completing any pre-employment testing or otherwise participating in the employee selection process please email
Staff IC
Key Skills
- Data Analytics
- Microsoft Access
- SQL
- Power BI
- R
- Data Visualization
- Tableau
- Data Management
- Data Mining
- SAS
- Data Analysis Skills
- Analytics
About Company
Through Upstart, apply online for a fast personal loan, auto refinancing, or debt consolidation. Try our quick rate check today with no impact to your credit!
