Principal Credit Analytics

The Team

Upstart’s Credit Analytics team is at the center of how we understand, forecast, and communicate credit performance across the company. The team builds the frameworks, infrastructure, and insights that connect our AI‑driven underwriting, portfolio performance, and funding strategy, ensuring decisions are grounded in a rigorous and forward‑looking view of risk and return.

• Own a core analytics domain within Credit Analytics (forecasting & valuation or risk capital), driving execution and continuous improvement of frameworks that power portfolio monitoring, planning, and decision‑making
• Develop and enhance credit forecasting and valuation methodologies
  , including loss forecasting, scenario analysis, and portfolio performance measurement, ensuring outputs are accurate, explainable, and decision‑useful
• Contribute to risk capital analytics and reporting
  , supporting funding strategies such as securitizations, warehouse facilities, and forward‑flow programs through robust performance tracking, stress scenarios, and risk/return analysis
• Translate analytics into business impact
  , delivering clear insights and recommendations that guide product strategy, credit policy, and funding decisions
• Partner cross‑functionally with ML, Finance, Product, Engineering, and Capital teams to align on definitions, metrics, and frameworks, and to integrate analytics into core workflows and decision processes
• Build and scale analytics infrastructure
  , including data models, pipelines, dashboards, and reporting tools that enable consistent, self‑serve insights across stakeholders
• Uplevel analytical rigor and processes
  , establishing best practices for validation, monitoring, and governance of credit models and analytics outputs

• 7+ years of experience in analytics, credit risk, or quantitative finance within fintech, financial services, or related industries
• Experience building or applying credit risk / loss forecasting, portfolio analytics, or valuation frameworks in consumer lending or similar domains
• Exposure to risk capital or structured finance concepts (e.g., securitizations, warehouse facilities, forward flow, or investor reporting)
• Strong analytical and technical skills, including proficiency in SQL and at least one programming language (Python or R), and experience working with large datasets
• Ability to translate complex analyses into clear, actionable insights for both technical and non‑technical stakeholders

• Experience partnering with ML / data science teams, particularly in underwriting or model performance monitoring
• Familiarity with capital analytics, deal economics, and risk/return frameworks
• Experience building or improving analytics infrastructure (data models, dashboards, automated reporting, GenAI solutions)
• Exposure to model governance, controls, or audit processes (e.g., SOX, model validation, valuation reviews)
• Demonstrated ability to influence cross‑functional stakeholders and drive alignment across teams

Remote

The team operates on the West coast time zones.

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

Anticipated Base Salary Range: $182,300—$252,500 USD for United States (Remote).

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
• Affordable medical, dental, and vision coverage, with multiple plan options – Upstart covers 90% to 100% of the cost depending on the plans you choose
• Health Savings Account contributions from Upstart for eligible plans
• Income protection benefits, including company‑paid Basic Life, AD&D, and Short‑ and Long‑Term Disability coverage, with options to purchase supplemental coverage
• Paid time off, sick and safe…