Staff Data Analyst, Credit Analyst

About Upstart

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.

Upstart is a digital-first company, which means that most Upstarters can live and work anywhere in the U.S. We also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!

The Team and Role

The Data Analytics team plays the critical role of providing analytical capability across Upstart's organization to enable data-driven decision making. We leverage our analytical and technical skills to support our partners with a multitude of services, some of which include understanding our underwriting models and presenting on trends in our loan performance, analyzing market size opportunities, creating financial models, developing our business intelligence pipeline to enable self-service reporting, and architecting/automating of work processes.

As a Staff Data Analyst at Upstart, you will join our Credit Oversight & Analytics horizontal team and lead Credit Analytics efforts. You’ll be responsible for driving understanding, insights and decision making relating to our platform level credit performance and credit infrastructure. You’ll partner with our Data Analytics vertical teams, Machine Learning, and Product teams to help shape the narrative and deepen our expertise in understanding credit performance across Upstart platform.

Position Location - This role is available in the following locations: Remote; San Mateo, CA

Time Zone Requirements - The team operates on the West coast time zones.

Travel Requirements - This team has regular onsite collaboration sessions. These occur 5 days per Month at the San Mateo CA, Columbus OH, or Austin TX office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

How you’ll make an impact:

• Partner with the Data Analytics vertical teams, Machine Learning, Product, and Engineering teams to shape credit metrics and narratives, driving consensus in the state of Upstart platform
• Influence Upstart’s credit platform and investor/lending community through informing decisions, opportunities, and risks, while supported by deep understanding and insights on Upstart’s model and credit
• Lead and develop credit monitoring and model performance analytics to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions
• Build foundational data pipelines and analytical tools to enable robust and dynamic credit intelligence for Upstart analyst community
• Mentor junior team members on best practices and foster a center of excellence on data, credit, and analytics

Minimum qualifications:

• Experience working with large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, Redshift
• Experience in credit analytics, valuation, and/or financial analytics development with python, R, GSheet (AppScript), Excel (VBA), SAS
• 5+ years work experience in increasingly senior analytical roles in technology and finance industry
• Degree in Economics, Mathematics, Engineering, Data Science or other quantitative fields

Preferred qualifications:

• Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker), and to successfully influence and drive C-level decision-making
• Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams
• Experience in consumer lending, and/or knowledge of the consumer finance market, capital markets
• Experience in coaching and mentoring junior team members on technical subject

What you'll love:

• Catered lunches + snacks & drinks when working in offices
• Supportive parental, family care, and military leave programs
• 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
• Competitive Compensation (base + bonus & equity)
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
• Annual wellness, technology & ergonomic reimbursement programs
• Generous holiday, vacation, sick and safety leave
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart

At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within this range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Sales positions generally offer a competitive On Target Earnings (OTE) incentive compensation structure. The salary listed below for sales roles is On Target Earnings which includes both salary and commission, assuming 100% target achievement.

United States | Remote - Anticipated Base Salary Range

$151,800—$210,000 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]

https://www.upstart.com/candidate_privacy_policy