Principal Data Analyst, Upstart

• 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

Desirable

• 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 streamlining work processes through automation
• As a Principal Analyst at Upstart, you will join our Credit Analytics horizontal team
• In this multi-disciplinary role, you will drive strategic workstreams spanning across valuation and credit oversight, shaping and hands-on scaling our analytics processes, credit performance frameworks, and post-origination forecasting methodologies
• Collaborating across Data Analytics, Machine Learning, Product, and Finance teams, you will spearhead cross-functional initiatives that embed rigorous valuation models, forward-looking credit governance, and automated processes—empowering Upstart’s multi-product growth and reinforcing our market leadership in lending
• Partner with the Data Analytics vertical teams, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics and narratives, financial forecast, and driving 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