Principal Credit Analytics

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital‑first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital‑first doesn’t mean distant. We’re intentional about in‑person connection through team onsites, planning sessions, and moments that spark creativity and trust. Whether you choose to work primarily from home or collaborate in‑person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer2026), you’ll have the support to work in the way that works best for you. The Team The Analytics team at Upstart is at the forefront of AI/ML‑driven credit lending across the organization. Our team employs advanced analytical and technical prowess to deliver comprehensive support in Upstart’s lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on loan performance and forecasting, market cycles and emerging trends, risk and return trade‑offs, among others. We also take pride in developing our business intelligence tools to empower self‑service reporting and streamline work processes through automation. How you’ll make an impact Partner with the Data Analytics vertical teams, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics and narratives, financial forecast, and drive 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 machine learning model, credit, and valuation Lead and develop analytics on underwriting decisions, credit monitoring, model impacts, asset forecast, and valuation modeling to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions Develop foundational forecast pipelines, and automated reporting 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 8+ years professional experience with demonstrated growth and leadership in technology and financial industry Experience in developing credit analytics, financial forecasting, and/or quantitative risk models with Python, R, & SQL Experience in decisioning supported by large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, & Redshift Degree in Quantitative Finance/Economics, Statistics, Engineering, Data Science or other quantitative fields Preferred Qualifications Demonstrated ability to work collaboratively and in deep partnership with cross‑functional colleagues especially in Finance, Product, Data Engineering, ML teams 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 Experience in SOX controlled reporting or regulatory reporting cycles Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products Experience in developing junior team members on technical subjects Position location This role is available in the following locations: Remote Time zone requirements The team operates on the West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to still spend high quality time in‑person collaborating via regular onsites. The in‑person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. Compensation 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 the range below. 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. United States | Remote - Anticipated Base Salary Range: $182,300 - $252,500 USD In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). What You’ll Love 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 Summer2026). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 View email address on click.appcast.io. #J-18808-Ljbffr