Principal Credit Analytics

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital‑first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital‑first doesn’t mean distant. We’re intentional about in‑person connection through team onsites, planning sessions, and moments that spark creativity and trust. Whether you choose to work primarily from home or collaborate in‑person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.

The Analytics team at Upstart is at the forefront of AI/ML‑driven credit lending across the organization. Our team employs advanced analytical and technical prowess to deliver comprehensive support in Upstart’s lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on loan performance and forecasting, market cycles and emerging trends, risk and return trade‑offs, among others. We also take pride in developing our business intelligence tools to empower self‑service reporting and streamline work processes through automation.

• Partner with the Data Analytics vertical teams, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics and narratives, financial forecast, and drive consensus in the state of Upstart platform
• Influence Upstart’s credit platform and investor/lending community through informing decisions, opportunities, and risks, while supported by deep understanding and insights on Upstart’s 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
• Develop foundational forecast 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

• 8+ years professional experience with demonstrated growth and leadership in technology and financial industry
• Experience in developing credit analytics, financial forecasting, and/or quantitative risk models 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 Quantitative Finance/Economics, Statistics, Engineering, Data Science or other quantitative fields

• 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, Power
  
  BI, Looker), and to successfully influence and drive C‑level decision‑making
• Experience in SOX controlled reporting or regulatory reporting cycles
• Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products
• Experience in developing junior team members on technical subjects