Asset Quality – Model Analyst

Upstart

Analyst supporting day-to-day execution of asset quality and model oversight at Upstart. Collaborating with secured lending partners and reporting to management.

Posted 7/15/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $115,800 - $160,100 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in loan-level quality reviews, portfolio performance analysis, and risk management within financial services. Proficient in utilizing data analysis tools and maintaining compliance documentation for regulatory and bank partner reviews.

Highest-signal resume keywords

Loan-Level Quality ReviewsPortfolio Performance AnalysisRisk ManagementData Analysis ToolsRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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

Hard Skills

Credit AnalysisQuality ControlModel MonitoringOperational Risk AnalysisData Quality Checks

Soft Skills

Organizational SkillsAttention to DetailCommunication Skills

Tools & Technologies

ExcelGoogle SheetsSQLBusiness Intelligence ToolsReporting Tools

Industry Keywords

Financial ServicesCredit OperationsComplianceLoan ReviewAsset Quality Indicators

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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!)