Staff Analyst, Upstart

• Extensive Industry Experience: 5+ years of professional experience in financial services, with a focus on credit and debt - consumer or structured credit, private credit, structured products, securitization, or credit capital markets - including hands-on work with loan portfolio performance and credit risk
• Credit Analytics Expertise: Background in credit analytics with hands-on proficiency in Python, and SQL, and demonstrated experience analyzing and explaining portfolio credit performance, including delinquency and arrears, roll rates, vintage loss curves, and model calibration
• Data-Driven Decision-Making: Expertise in working with large datasets, data modeling, and building robust data pipelines, utilizing tools like Databricks, Redshift, DBT, and business intelligence tools to deliver actionable insights
• Quantitative Academic Foundation: Degree in Finance, Economics, Statistics, Engineering, Data Science, or another quantitative field, providing a solid grounding in the analytical and problem-solving skills this role requires

Desirable

• As the Staff Analyst, Investor Analytics at Upstart, you will own the credit and performance story for our HELOC business end to end, building the performance data, automated monitoring, and recurring reporting that let us speak with authority about how the book is performing
• You will partner closely with our Capital Markets, Lending Partnership, Machine Learning, and Product teams, work directly with some of the top institutional capital providers in the industry, and help model and steer deal strategy for our capital partners
• We build with AI: the team uses agentic coding tools such as Claude Code and Codex daily to automate our credit pipelines, monitoring, and reporting, so more of your time goes to analysis and judgment and less to plumbing
• Partner with Capital Markets and Lending Partnerships: Engage directly with capital investors to showcase the strength of Upstart’s platform, build lasting confidence, and craft tailored capital solutions for our home equity program
• Own the credit performance narrative: Be the go-to voice on how the HELOC portfolio is performing — arrears and roll rates, vintage and cohort loss curves, model calibration and feature importance — and explain clearly to investors, partners, and internal leadership what is driving results and what it implies for forward risk
• Deliver recurring performance reporting: Produce the yield, default, and prepayment views that our capital partners and internal teams rely on, on a reliable cadence, and use them to help model and steer deal strategy
• Build credit intelligence infrastructure with AI: Develop the foundational financial models, data pipelines, and automated monitoring behind our credit reporting, using agentic AI tools such as Claude Code and Codex to build and maintain them so insights arrive faster and more reliably
• Collaborate across teams: Work hand-in-hand with Machine Learning, Product, Engineering, and Finance on HELOC to shape credit metrics, craft compelling narratives, and develop financial forecasts, driving alignment on the state of the product
• Mentor and elevate the team: Support junior team members while fostering a culture of excellence in data, credit, and analytics, positioning the team as a hub of expertise and innovation