The Team

The Investor Analytics team plays the critical role of providing analytical capability across Upstart's organization to enable data-driven decision making. We leverage our analytical and technical skills to support our partners with a multitude of services. This includes understanding our underwriting models, presenting on trends in our loan performance, analyzing market size opportunities, creating financial models, developing our business intelligence pipeline to enable self-service reporting, and architecting/automating of work processes.

As a Principal Data Analyst at Upstart, you will join our Investor Analytics team. You’ll be responsible for driving understanding, insights and decision making relating to our loan credit and financial performance. You’ll partner with our Capital Markets and Lending Partnership teams to help investors, banks, and credit unions to take advantage of our unique technology to achieve their business goals.

Position Location - This role is available in the following locations: Remote, USA; San Mateo, CA

Travel Requirements - This team has regular on-site collaboration sessions. These occur 5 days per Month at the San Mateo, CA office. If you need to travel to make these meetups, Upstart will cover all travel related expenses. 

How you’ll make an impact:

• 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 model, credit, and valuation
• Develop credit monitoring and model performance to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions
• Build foundational financial and performance models, data pipelines, and automated reporting to enable robust and dynamic credit intelligence
• Partner with Capital Markets, Lending Partnership, Data Engineering, Machine Learning, Finance, and other Analytics teams to shape credit metrics and narratives, drive consensus on the state of Upstart platform, and deepen investor/lending partner confidence to invest in our platform
• Mentor junior team members and foster a center of excellence on data, credit, and analytics

What we’re looking for: 

• Minimum qualifications:
  • 9+ years work experience in increasingly senior analytical roles in technology and/or financial services industries
  • Experience in credit analytics, business analytics, valuations, and/or financial analytics using Python, R, GSheet (AppScript), Excel (VBA), SAS; 
  • Experience working with large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Redshift, Snowflake, Tableau; Experience deriving actionable insights from analysis and analytical storytelling
  • Ability to craft executive-ready narratives and presentations around complex business or performance topics and successfully influence C-level decision making
  • Degree in Analytics, Data Science, Economics, Engineering, Mathematics or other quantitative field
• Preferred qualifications:
  • Experience in coaching and mentoring junior team members on technical subjects
  • Experience in credit risk management
  • Demonstrated ability to work collaboratively and in deep partnership with cross-functional teams especially in Finance, Product, Data Engineering, Machine Learning teams
  • Demonstrated ability to balance multiple workstreams and priorities; experience influencing up and cross functionally to maximize positive impact to the organization
  • Experience in consumer lending, and/or knowledge of the consumer finance market and capital markets

What you'll love: 

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 
• 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
• Employee Stock Purchase Plan (ESPP)
• 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
• Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
• Catered lunches + snacks & drinks when working in offices

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