Own and evolve the Credit Analytics vision and roadmap across credit forecasting & valuation and risk capital, building a high-performing team of managers and analysts and setting a strong bar for analytical rigor, execution, and collaboration.
Lead the implementation, enhancement, and disciplined use of foundational credit forecasting and valuation frameworks that underpin financial planning, portfolio performance monitoring, and investor narratives—ensuring our forecasts and asset valuations are robust, explainable, and subject to bank-grade governance.
Own the operations, measurement, and reporting for risk capital, which represents the majority of Upstart’s funding base—developing capital analytics, stress scenarios, and risk appetite frameworks that support seamless execution of risk capital deals and disciplined portfolio management.
Partner with product, engineering, and capital stakeholders to define and build the next generation of credit and capital infrastructure and tooling, including data models, pipelines, and dashboards that enable scalable, self-serve insights for analysts and leaders across the company.
Unify Upstart’s internal and external credit risk narrative in close collaboration with ML and investor- and capital-focused analytics peers, translating complex performance drivers into clear, executive-ready insights and recommendations that guide funding strategy, deal structures, and long-term risk-reward tradeoffs.
Develop, coach, and empower your team—including both people leaders and senior ICs—by establishing best practices, elevating technical and business problem-solving, and fostering a culture of ownership, curiosity, and continuous improvement.

Requirements

10+ years of professional experience in analytics, risk, or quantitative finance roles in technology, fintech, or financial services, including 5+ years leading and developing analytics and/or risk management teams.
Experience building and deploying credit risk / loss forecasting and portfolio valuation frameworks for consumer credit or comparable lending businesses.
Hands-on experience with structured finance and/or risk capital (for example, securitizations, warehouse facilities, forward-flow or other institutional funding structures), including comfort working with cash flow, return, and risk metrics.
Advanced proficiency in SQL and at least one analytical programming language (such as Python or R), with demonstrated experience working with large datasets and modern data platforms and BI tools.
Degree in Quantitative Finance/Economics, Statistics, Engineering, Data Science, or another quantitative field (or equivalent practical experience)

Benefits

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
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
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 and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit forecastingcredit valuationrisk capitalcapital analyticsstress scenariosrisk appetite frameworksSQLPythonRdata models

Soft Skills

analytical rigorexecutioncollaborationcoachingempowermentproblem-solvingownershipcuriositycontinuous improvement