Data Analyst, Home Lending

🔥 9 minutes ago

🇺🇸 United States – Remote

💵 $145.1k - $201.1k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

📉 Data Analyst

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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

• Own first-line secured lending data and reporting support, including regulatory reporting inputs, data integrity, reconciliations, and timely loan-level reporting • Lead regulatory and risk reporting for home lending, including filing HMDA LAR, mapping Call Report feeds, tracking CRA activity, and performing loan-level quality checks for fair lending and compliance testing • Produce risk dashboards and management reporting across portfolio, channel, geography, delinquency, vintage, concentration, and product performance • Maintain core data pipelines, controls, and aggregation capabilities supporting product- and portfolio-level reporting • Provide product risk oversight reporting covering channel, underwriting, pricing, overrides, and exceptions • Support exams, committees, and business continuity planning through data extracts, analytical packages, reporting materials, and recovery-planning inputs • Partner cross-functionally with compliance, risk, operations, engineering, product, legal, and business teams

🎯 Requirements

• 5+ years of experience with data collection, reporting, or compliance reporting and monitoring • Strong understanding of mortgage lending operations and regulatory data requirements • Excellent analytical, organizational, and problem-solving skills • Ability to work cross-functionally and manage deadlines in a highly regulated environment • Proficiency with loan origination, compliance, or data reporting systems • Prior experience preparing HMDA LAR, CRA data, and Call Report submissions preferred • Familiarity with fair lending, mortgage compliance, or consumer lending compliance preferred • Experience supporting regulatory exams, audits, or compliance testing 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 fertility, parenthood, and caregiving benefits • Employee Assistance Program (EAP) with mental health support and life-centered resources • Financial wellness resources, including financial planning tools and a financial concierge service (US only) • Annual wellness allowance • Annual productivity allowance for relevant tools and resources • Team events, all-company updates, and employee resource groups (ERGs) • Onsite perks including catered lunches and fully stocked micro-kitchens at company offices