Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The Principal Credit Analyst will lead key analytics functions, driving high-impact analytics that inform portfolio strategy, financial planning, and funding decisions while collaborating with various teams to translate credit dynamics into actionable insights.
Responsibilities
- 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
Skills
- 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
Benefits
- Target bonuses
- Equity compensation
- Generous benefits packages (including medical, dental, vision, and 401k)
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Income protection benefits, including life insurance and disability coverage for added financial security
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (duration varies by country)
- Family-centered benefits to support fertility, parenthood, and caregiving needs
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
- Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- Connection and community through team events, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
Company Overview
Company H1B Sponsorship