[Remote] Principal Credit Analytics

Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The Principal Credit Analytics role involves leading credit forecasting and valuation or risk capital analytics to drive high-impact analytics that inform portfolio strategy and funding decisions.


Responsibilities

  • Own a core analytics domain within Credit Analytics (forecasting & valuation or risk capital), driving execution and continuous improvement of frameworks that power portfolio monitoring, planning, and decision-making
  • Develop and enhance credit forecasting and valuation methodologies, including loss forecasting, scenario analysis, and portfolio performance measurement, ensuring outputs are accurate, explainable, and decision-useful
  • Contribute to risk capital analytics and reporting, supporting funding strategies such as securitizations, warehouse facilities, and forward-flow programs through robust performance tracking, stress scenarios, and risk/return analysis
  • Translate analytics into business impact, delivering clear insights and recommendations that guide product strategy, credit policy, and funding decisions
  • Partner cross-functionally with ML, Finance, Product, Engineering, and Capital teams to align on definitions, metrics, and frameworks, and to integrate analytics into core workflows and decision processes
  • Build and scale analytics infrastructure, including data models, pipelines, dashboards, and reporting tools that enable consistent, self-serve insights across stakeholders
  • Uplevel analytical rigor and processes, establishing best practices for validation, monitoring, and governance of credit models and analytics outputs

Skills

  • 7+ years of experience in analytics, credit risk, or quantitative finance within fintech, financial services, or related industries
  • Experience building or applying credit risk / loss forecasting, portfolio analytics, or valuation frameworks in consumer lending or similar domains
  • Exposure to risk capital or structured finance concepts (e.g., securitizations, warehouse facilities, forward flow, or investor reporting)
  • Strong analytical and technical skills, including proficiency in SQL and at least one programming language (Python or R), and experience working with large datasets
  • Ability to translate complex analyses into clear, actionable insights for both technical and non-technical stakeholders
  • Experience partnering with ML / data science teams, particularly in underwriting or model performance monitoring
  • Familiarity with capital analytics, deal economics, and risk/return frameworks
  • Experience building or improving analytics infrastructure (data models, dashboards, automated reporting, GenAI solutions)
  • Exposure to model governance, controls, or audit processes (e.g., SOX, model validation, valuation reviews)
  • Demonstrated ability to influence cross-functional stakeholders and drive alignment across teams

Benefits

  • 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, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026)

Company Overview

  • Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is https://upstart.com/about.

  • Company H1B Sponsorship

  • Upstart has a track record of offering H1B sponsorships, with 14 in 2026, 67 in 2025, 66 in 2024, 84 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role.

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