Staff Credit Analyst – Temporary

🕒 June 18

🇺🇸 United States – Remote

💵 $75 - $88 / hour

⏳ Contract/Temporary

🔴 Lead

🧐 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

• Execute testing plans to validate the accuracy and functionality of credit analytics workflows migrated from spreadsheet-based processes into a new platform. • Perform detailed reconciliations between legacy and new-system outputs, investigate discrepancies, and document findings. • Partner with Engineering, Product, and Analytics teams to troubleshoot issues, validate fixes, and support platform readiness for production use. • Develop reporting, monitoring, and validation processes that help ensure data quality and operational stability throughout the migration effort. • Support go-live activities, including user acceptance testing, issue triage, process documentation, and stakeholder communications. • Contribute to change management efforts by creating training materials, documenting workflows, and supporting end-user adoption of new processes. • Leverage AI agents and modern tooling to accelerate testing, reconciliation, documentation, and root-cause investigation, continuously improving the speed and quality of the migration effort.

🎯 Requirements

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Engineering, Analytics, or a related quantitative field (or equivalent practical experience). • 6+ years of experience in credit analytics, risk analytics, financial services analytics, or a related quantitative function. • Experience performing data validation, reconciliation, testing, or quality assurance activities for analytical or operational processes. • Advanced SQL skills and experience working with large datasets. • Experience using spreadsheet-based analytical models and translating business requirements into scalable processes or systems.

🏖️ 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!)