Asset Quality and Model Analyst

🕒 July 15

🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – Remote

💵 $115.8k - $160.1k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 12%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🚘 Automotive

💼 Consulting

🏥 Healthcare

Automotive • Consulting • Healthcare

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company focuses on revolutionizing lending and credit risk evaluation by leveraging its AI marketplace, which allows for higher approval rates and lower loss rates for Upstart-powered banks and credit unions. Recently, Upstart has expanded its offerings to include automobile refinancing. With a mission to enable effortless credit based on true risk, Upstart is also known for its digital-first lending experience and holds a significant position in the financial services sector.

📋 Description

• Execute loan-level quality reviews across unsecured lending originations • Assess documentation completeness, underwriting accuracy, eligibility adherence, collateral quality, and salability criteria • Pull, organize, and analyze portfolio performance data including early payment defaults, delinquency, prepayment, loss severity, and exception patterns • Maintain recurring asset quality and salability risk reporting packages for bank partners, Capital Markets, and internal leaders • Execute first-line model performance tracking, including production model tracking tools, override and exception trends, version changes, and performance degradation flags • Maintain issue logs, defect trackers, remediation updates, and documentation libraries • Assemble evidence packages and coordinate governance materials for bank partner reviews, committee deliverables, and regulatory examinations • Report to the Senior Manager, Asset Quality & Model Oversight and collaborate with Credit Risk, Capital Markets, Model Risk Management, Operations, and secured lending partners

🎯 Requirements

• 3+ years of experience in financial services, credit operations, quality control, risk management, compliance, model monitoring, loan review, credit analysis, or a related analytical function • Experience applying established review criteria to loan-level data, credit files, origination documentation, collateral documentation, or lending operations outputs • Experience analyzing portfolio performance, asset quality indicators, credit policy exceptions, loan defects, remediation items, or operational risk trends • Experience using Excel, Google Sheets, SQL, business intelligence tools, reporting tools, or similar systems to organize, analyze, and quality-check structured data • Experience documenting findings, exceptions, issue status, remediation progress, or review results for risk, compliance, credit, operations, audit, bank partner, or regulatory stakeholders • Experience with loan file review, quality control, pre-sale quality control, investor delivery, or loan salability review in unsecured lending products (preferred) • Knowledge of secured lending and secondary-market quality expectations (preferred) • Knowledge of model monitoring concepts and model governance documentation in a lending or fintech environment (preferred)

🏖️ Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Retirement benefits including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Comprehensive health coverage including medical, dental, vision, and wellness resources • Health Savings Account contributions for eligible plans (US only) • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Family-centered benefits supporting fertility, parenthood, and caregiving • Employee Assistance Program offering mental health support and life-centered resources • Financial planning tools and financial concierge service (US only) • Annual wellness allowance • Annual productivity allowance for relevant work tools and resources • Team events, all-company updates, and employee resource groups • Catered lunches and fully stocked micro-kitchens at offices