The Team

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 Staff Data Analyst at Upstart, you will join our Credit Analytics horizontal team. You’ll take a leadership stance in driving critical insights and strategic decisions concerning credit performance, while contributing to the long term development in Upstart’s credit valuation and loss forecasting analytics infrastructure. Collaborating closely with other Data Analytics, Machine Learning, and Product teams, you will spearhead initiatives that refine our credit evaluation processes and extend our market leadership in understanding credit dynamics across the Upstart platform.

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

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

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
• Lead and develop credit monitoring, model performance, and valuation analytics to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions
• Build foundational forecast models, data pipelines, and automated reporting to enable robust and dynamic credit intelligence for Upstart analyst community
• 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
• Mentor junior team members on best practices and foster a center of excellence on data, credit, and analytics

What we’re looking for: 

• Minimum qualifications:
  • 8+ years work experience in increasingly senior analytical roles in technology and finance industry
  • Experience in credit analytics, valuation, and/or financial analytics development with python or R, GSheet (AppScript), Excel (VBA), SAS
  • Experience consuming large data sets, data models, and data pipelines, with tools such as Databricks, DBT, Looker, Snowflake, and/or Redshift
  • Degree in Economics, Mathematics, Engineering, Data Science or other quantitative fields
• Preferred qualifications:
  • Experience in coaching and mentoring junior team members on technical subjects
  • Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker), and to successfully influence and drive C-level decision-making
  • Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams
  • Experience in consumer lending, and/or knowledge of the consumer finance market, 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

#LI-REMOTE

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