Staff Analyst

🔥 13 hours ago

🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – Remote

💵 $157k - $217.5k / year

⏰ Full Time

🔴 Lead

🧐 Analyst

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 0%

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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

• Develop and maintain credit analytics for portfolio monitoring, forecasting, valuation, and decision-making • Support loss forecasting, scenario analysis, portfolio performance measurement, and reporting • Contribute to risk capital analytics for securitizations, warehouse facilities, and forward-flow programs • Analyze portfolio trends and provide recommendations to product, credit policy, finance, and funding stakeholders • Partner with Machine Learning, Finance, Product, Engineering, and Capital teams on metrics, definitions, analytical frameworks, and business requirements • Build and improve data models, pipelines, dashboards, and automated reporting • Establish analytical validation, monitoring, documentation, and governance practices • Communicate complex analyses to technical and non-technical audiences

🎯 Requirements

• 5+ years of experience in analytics, credit risk, quantitative finance, or a related field within fintech, financial services, consumer lending, or a similar industry • Experience with credit risk, loss forecasting, portfolio analytics, valuation, or related financial-performance frameworks • Working knowledge of risk capital or structured finance concepts, such as securitizations, warehouse facilities, forward-flow programs, or investor reporting • Strong SQL skills • Proficiency in at least one programming language, such as Python or R • Experience working with large datasets and developing repeatable, well-documented analyses • Ability to turn complex analytical work into clear, actionable business insights • Strong written and verbal communication skills and cross-functional collaboration ability • West coast time zone availability • Preferred: experience partnering with Machine Learning or Data Science teams, capital analytics, deal economics, risk/return frameworks, analytics infrastructure, dashboards, automated reporting, GenAI-enabled analytical solutions, model governance, controls, audit, model validation, valuation review, and analytical project management

🏖️ 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 for US; supplemental health coverage for Canada • Health Savings Account contributions for eligible US plans • 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 with 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 stocked micro-kitchens at Bay Area, Austin, Columbus, and New York City offices