Asset Quality – Model Analyst

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🇺🇸 United States – Remote

💵 $115.8k - $160.1k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

📋 Description

• Execute loan-level quality reviews across secured lending originations, assessing documentation completeness, underwriting accuracy, eligibility adherence, collateral quality, and other salability criteria. • Pull, organize, and analyze portfolio performance data, including early payment defaults, delinquency trends, prepayment rates, loss severity, exception patterns, and other asset quality indicators. • Maintain recurring asset quality and salability risk reporting packages for bank partners, Capital Markets, and internal leaders, including data pulls, analysis, formatting, and quality checks. • Execute first-line model performance tracking — maintaining production model tracking tools, logging override and exception trends, tracking version changes, and independently flagging patterns that may indicate performance degradation or out-of-bounds behavior for escalation. • Maintain issue logs, defect trackers, remediation updates, and documentation libraries so records stay current, organized, and ready for bank partner or regulatory review. • Drive governance and exam readiness deliverables — independently assembling evidence packages, populating reporting templates, and coordinating materials for bank partner reviews, committee deliverables, and regulatory examinations.

🎯 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.

🏖️ Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. • Health Savings Account contributions from Upstart for eligible plans (US only) • Income protection benefits, including life insurance and disability coverage for added financial security • Paid time off, sick leave, and company holidays, in line with local requirements • Paid family and parental leave to support caregiving and major life moments (duration varies by country) • Family-centered benefits to support fertility, parenthood, and caregiving needs • 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 (US Only) • 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, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)