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Upstart Logo Upstart · IT - Software Development

Staff Data Analyst, Credit Analytics

United States 157000.00 - 217500.00 USD / Year · Job Posted January 24, 2026
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Job Description

The Analytics team at Upstart is at the forefront of AI/ML-driven credit lending across the organization. Our team employs 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 forecasting and oversights, to inform business decisions across market cycles, emerging trends, risk and return trade-offs, among others. We also take pride in developing our business intelligence tools to empower self-service insight discovery and reporting automation. As a Staff Analyst at Upstart, you will join our Credit Analytics horizontal team, focusing on line of credit products. You will lead workstreams in driving critical insights and decisions concerning credit performance and strategies, and contributing to the long term development in underwriting framework and analytics infrastructure.The credit oversight pillar is building out a best in class data driven credit forum, ensuring continuous feedback loop with product and business roadmaps. You will be collaborating closely with other Data Analytics, Machine Learning, and Product teams, you will spearhead initiatives that support Upstart’s multi-product growth and extend our market leadership in lending.

Job Responsibility

  • 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
  • Build foundational forecast models, data 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

Requirements

  • 6+ years in professional experience in technology and financial industries
  • Expertise in credit analytics, decision, and/or quantitative financial model development 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 Economics, Statistics, Engineering, Data Science or other quantitative fields

Nice to have

  • Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams
  • 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
  • Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products
  • Experience in coaching and mentoring junior team members on technical subjects

What we offer

  • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
  • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
  • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
  • Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
  • Health Savings Account contributions from Upstart for eligible plans
  • Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
  • Paid time off, sick and safe time, and company holidays
  • Paid family and parental leave to support caregiving and major life moments
  • Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
  • 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
  • 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 and onsites, all-company updates, and employee resource groups (ERGs)
  • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices
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