Staff Analyst, Investor 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 3,000 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. And 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, you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team:

Upstart’s Investor Analytics team plays a pivotal role in securing capital, a critical function that powers our business. We deliver the analytical insight and technical capability behind how institutional capital partners understand and price Upstart’s credit performance, working across Capital Markets, Lending Partnerships, Machine Learning, Product, and Finance to keep that view accurate and current. Our priority right now is putting the credit groundwork in place for HELOC, Upstart’s home equity product as we go to market to raise capital,

As the Staff Analyst, Investor Analytics at Upstart, you will own the credit and performance story for our HELOC business end to end, building the performance data, automated monitoring, and recurring reporting that let us speak with authority about how the book is performing. You will partner closely with our Capital Markets, Lending Partnership, Machine Learning, and Product teams, work directly with some of the top institutional capital providers in the industry, and help model and steer deal strategy for our capital partners. We build with AI: the team uses agentic coding tools such as Claude Code and Codex daily to automate our credit pipelines, monitoring, and reporting, so more of your time goes to analysis and judgment and less to plumbing.

How you’ll make an impact

• Partner with Capital Markets and Lending Partnerships: Engage directly with capital investors to showcase the strength of Upstart’s platform, build lasting confidence, and craft tailored capital solutions for our home equity program.

• Own the credit performance narrative: Be the go-to voice on how the HELOC portfolio is performing — arrears and roll rates, vintage and cohort loss curves, model calibration and feature importance — and explain clearly to investors, partners, and internal leadership what is driving results and what it implies for forward risk.

• Deliver recurring performance reporting: Produce the yield, default, and prepayment views that our capital partners and internal teams rely on, on a reliable cadence, and use them to help model and steer deal strategy.

• Build credit intelligence infrastructure with AI: Develop the foundational financial models, data pipelines, and automated monitoring behind our credit reporting, using agentic AI tools such as Claude Code and Codex to build and maintain them so insights arrive faster and more reliably.

• Collaborate across teams: Work hand-in-hand with Machine Learning, Product, Engineering, and Finance on HELOC to shape credit metrics, craft compelling narratives, and develop financial forecasts, driving alignment on the state of the product.

• Mentor and elevate the team: Support junior team members while fostering a culture of excellence in data, credit, and analytics, positioning the team as a hub of expertise and innovation.

Minimum Qualifications

• Extensive Industry Experience: 5+ years of professional experience in financial services, with a focus on credit and debt - consumer or structured credit, private credit, structured products, securitization, or credit capital markets - including hands-on work with loan portfolio performance and credit risk.

• Credit Analytics Expertise: Background in credit analytics with hands-on proficiency in Python, and SQL, and demonstrated experience analyzing and explaining portfolio credit performance, including delinquency and arrears, roll rates, vintage loss curves, and model calibration.

• Data-Driven Decision-Making: Expertise in working with large datasets, data modeling, and building robust data pipelines, utilizing tools like Databricks, Redshift, DBT, and business intelligence tools to deliver actionable insights.

• Quantitative Academic Foundation: Degree in Finance, Economics, Statistics, Engineering, Data Science, or another quantitative field, providing a solid grounding in the analytical and problem-solving skills this role requires.

Preferred Qualifications

• Proven Cross-Functional Collaboration: Exceptional track record of building partnerships with cross-functional teams, particularly in Finance, Product, Data Engineering, and Machine Learning, to align on strategy and drive impactful outcomes.

• Executive-Level Storytelling: Skilled at translating complex business and performance insights into compelling, executive-ready narratives, using data visualization tools like Tableau, PowerBI, or Looker to influence strategic decisions at the C-suite level.

• Home Equity or Mortgage Background: Familiarity with HELOC, home equity, or mortgage credit, including collateral valuation, lien position, CLTV, and property-level risk drivers. Consumer credit experience is the foundation for this role; home-secured experience is an added advantage.

• Financial Modeling and Deal Analytics: Experience building financial models, particularly lending cash flows, book-level profitability, or valuation, and using them to support pricing, structuring, or deal strategy decisions with capital partners. Familiarity with consumer credit capital markets, private credit, or structured products is helpful here.

• Comfort with AI-Assisted Development: Experience using agentic coding tools such as Claude Code, Codex, or similar to build and maintain analytics pipelines, automate recurring reporting, or accelerate exploratory analysis.

• Model Explainability and Calibration: Ability to interpret and communicate model performance, including calibration, feature importance, score-to-outcome alignment, and population drift, and to translate those findings for audiences without a modeling background.

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/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 or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior

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 below 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).

United States | Remote - Anticipated Base Salary Range

$157,000—$217,500 USD

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 below 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).

Canada | Remote - Anticipated Base Salary Range

$140,300—$175,000 USD

What you'll love

At Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:

• 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

For roles based in Canada, please note that we are not currently able to hire in Quebec.

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 candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy