Credit Risk Manager

Upstart

Develop and maintain credit risk monitoring frameworks that assess portfolio performance relative to business plans, policy limits, and stress scenarios.; Establish key risk indicators, thresholds, and early warning signals that identify e…

Posted 6/15/2026Verified active Jul 25, 2026, 12:31 AMfull-timeRemote • United States • 🇺🇸 United StatesSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

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Candidates should emphasize their expertise in developing and maintaining credit risk monitoring frameworks, analyzing credit performance across the consumer lending lifecycle, and utilizing data analysis tools to evaluate portfolio performance. Strong communication skills for presenting quantitative analyses to senior leadership and knowledge of banking regulatory requirements are also essential.

Highest-signal resume keywords

Credit Risk ManagementPortfolio AnalyticsData AnalysisRegulatory ComplianceMachine Learning Concepts

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

SQLPythonRData Analysis ToolsCredit Risk Monitoring Frameworks

Soft Skills

Communication SkillsAnalytical ThinkingCollaborationPresentation SkillsCredible Challenge

Tools & Technologies

Analytical PlatformsRisk Management SoftwareGovernance Reporting Tools

Certifications & Qualifications

Bachelor's Degree in FinanceEconomicsStatisticsMathematicsBusiness

Industry Keywords

Consumer Credit Risk ManagementPortfolio PerformanceUnderwriting ModelsBanking Regulatory RequirementsRisk Appetite Metrics

Tech Stack

Tools & technologies

PythonSparkSql

About the role

Key responsibilities & impact

Develop and maintain credit risk monitoring frameworks that assess portfolio performance relative to business plans, policy limits, and stress scenarios.
Establish key risk indicators, thresholds, and early warning signals that identify emerging credit risks across evolving underwriting models and changing economic conditions.
Provide credible challenge to 1LOD model development, treasury, credit strategy, and product leaders by using portfolio insights to assess whether performance remains aligned with risk appetite, policy expectations, and business plans.
Partner with Machine Learning, Product, Risk, and Bank leadership teams to evaluate portfolio performance and recommend actions when risk metrics deviate from expectations.
Partner with peers in Model Risk Management and Fair Lending on second line teams.
Prepare and present portfolio risk analyses, monitoring results, and recommendations to senior leadership, governance committees, and other stakeholders.
Design and implement governance processes, reporting routines, and operating mechanisms that support regulatory expectations and effective risk oversight.
Provide independent challenge and oversight of credit policies, underwriting performance, and risk management practices while balancing innovation and prudent risk management.

Requirements

What you’ll need

Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business, or a related quantitative field (or equivalent practical experience).
7+ years of experience in consumer credit risk management, portfolio analytics, or credit risk oversight.
Experience analyzing credit performance across the consumer lending lifecycle, including acquisition, underwriting, portfolio management, and repayment outcomes.
Experience using data analysis tools such as SQL, Python, R, or similar analytical platforms to evaluate portfolio performance and risk trends.
Experience communicating quantitative analyses and risk assessments to senior business leaders through written reports and presentations
10+ years experience in consumer credit risk management across multiple asset categories.
Knowledge of machine learning concepts and their application within consumer lending or credit underwriting environments.
Experience developing credit risk monitoring frameworks, risk appetite metrics, or portfolio governance processes.
Knowledge of banking regulatory requirements and supervisory expectations related to consumer credit risk management.
Experience conducting portfolio stress testing, scenario analysis, or sensitivity analysis.

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