Senior Credit Analyst

Senior Credit Analyst – Upstart

Apply for the Senior Credit Analyst role at Upstart.

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging our AI marketplace, partnered banks can achieve higher approval rates and lower loss rates across races, ages, and genders while delivering an exceptional digital‑first lending experience. More than 80% of borrowers are approved instantly with zero documentation.

The Auto Onboarding team reviews applications for Auto‑Refinancing loans, Auto Retail Indirect loans, and Auto‑secured Personal Loans. These products are growing and dedicated agents will ensure their success.

• Review applications in a timely manner while strictly adhering to established policies and procedures.
• Communicate with customers and business partners as needed.
• Provide feedback and insights to improve products and internal tools, with an eye toward automation and growth.

• Alternate between core work responsibilities and slack coverage.
• First‑line responder for FCR/CE/CA questions.
• Stay updated on policy changes or program improvements.
• Detect abnormalities and bugs by analyzing documents, cases, and dashboards.
• Use critical thinking and good judgment in ambiguous situations.

• 3+ months of experience with Upstart Auto products or 9+ months of experience with Upstart Onboarding.
• Maintain high quality in core work with a 90% or greater 4‑week rolling average productivity score and a 95% or greater 8‑week rolling average quality score.
• Demonstrate integrity, ethics, and Upstart values at all times.
• Be patient alongside efficient, triage, prioritize responsibilities, take ownership, and drive problems to resolution.
• Make judgment calls amid ambiguity and understand the cross‑functional impact of decisions.

• Deep knowledge of Operations procedures and processes, especially with regard to auto products.
• Proactively seek ways to improve Operations daily.

Columbus, OH. The role is available in the following locations:
Columbus, OH.

The team operates on East Coast time zones.

Required to work from the Columbus office 2 days per week.

As a digital‑first company, the majority of work can be done remotely. Employees are encouraged to spend high‑quality time in‑person, meeting once or twice per quarter for 2‑4 consecutive days.

• Competitive compensation (base + bonus & equity).
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions.
• 401(k) with 100% company match up to $4,500 and immediate vesting.
• Employee Stock Purchase Plan.
• 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.
• Team events, onsites, all‑company updates, ERGs, and interest groups.
• Catered lunches, snacks & drinks in offices.

Hourly rate range: $25.48 – $25.48 USD (non‑exempt). Eligible for overtime pay above 40 hours/week or 8 hours/day as required by state law.

Upstart is a proud Equal Opportunity Employer. We are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, or completing any pre‑employment testing, please email candida