Job Description
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 1800 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 (opening Summer 2026) 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 Credit Analytics team is at the center of how we understand forecast and communicate credit performance across the company. The team builds the frameworks infrastructure and insights that connect our AI-driven underwriting portfolio performance and funding strategy ensuring our decisions are grounded in a rigorous and forward-looking view of risk and return.
As the Director Analytics (Credit Analytics) at Upstart you will lead and scale a horizontal analytics organization spanning credit forecasting & valuation and risk capital. You will set the vision roadmap and operating model for this area—developing leaders and ICs upleveling our analytical foundations and unifying how we tell our credit story internally and externally in close partnership with Machine Learning Finance Capital and investor-facing analytics teams.
How you’ll make an impact
- Own and evolve the Credit Analytics vision and roadmap across credit forecasting & valuation and risk capital building a high-performing team of managers and analysts and setting a strong bar for analytical rigor execution and collaboration.
- Lead the implementation enhancement and disciplined use of foundational credit forecasting and valuation frameworks that underpin financial planning portfolio performance monitoring and investor narratives—ensuring our forecasts and asset valuations are robust explainable and subject to bank-grade governance.
- Own the operations measurement and reporting for risk capital which represents the majority of Upstart’s funding base—developing capital analytics stress scenarios and risk appetite frameworks that support seamless execution of risk capital deals and disciplined portfolio management.
- Partner with product engineering and capital stakeholders to define and build the next generation of credit and capital infrastructure and tooling including data models pipelines and dashboards that enable scalable self-serve insights for analysts and leaders across the company.
- Unify Upstart’s internal and external credit risk narrative in close collaboration with ML and investor- and capital-focused analytics peers translating complex performance drivers into clear executive-ready insights and recommendations that guide funding strategy deal structures and long-term risk-reward tradeoffs.
- Develop coach and empower your team—including both people leaders and senior ICs—by establishing best practices elevating technical and business problem-solving and fostering a culture of ownership curiosity and continuous improvement
Minimum Qualifications
- 10+ years of professional experience in analytics risk or quantitative finance roles in technology fintech or financial services including 5+ years leading and developing analytics and/or risk management teams.
- Experience building and deploying credit risk / loss forecasting and portfolio valuation frameworks for consumer credit or comparable lending businesses.
- Hands-on experience with structured finance and/or risk capital (for example securitizations warehouse facilities forward-flow or other institutional funding structures) including comfort working with cash flow return and risk metrics.
- Advanced proficiency in SQL and at least one analytical programming language (such as Python or R) with demonstrated experience working with large datasets and modern data platforms and BI tools.
- Degree in Quantitative Finance/Economics Statistics Engineering Data Science or another quantitative field (or equivalent practical experience)
Preferred Qualifications
- Track record of integrating credit finance and capital perspectives into unified analytical frameworks and narratives that influence senior executives and cross-functional leaders.
- Experience building or modernizing credit forecasting valuation and/or capital analytics infrastructure (e.g. data models pipelines dashboards automated reporting) in partnership with engineering and ML teams.
- Proven ability to mentor and coach both managers and senior ICs on technical depth business judgment and stakeholder influence.
- Experience working with internal and external audits controls and governance (for example SOX or valuation reviews) related to credit models asset valuations or risk capital structures.
- Comfort operating in a hands-on strategic leadership role—able to dive into the data and details when needed while maintaining a clear view of long-term goals tradeoffs and priorities
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 but are encouraged to 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.
#LI-REMOTE
#LI-Director
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).
What you'll love
At Upstart our benefits 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
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed up to $15000 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 Summer 2026!).
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
Top Skills
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI lenders can approve more borrowers at lower rates across races ages and genders while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload. Founded in 2012 Upstart’s platform includes personal loans automotive retail and refinance loans home equity lines of credit and small-dollar “relief” loans. If you are energized by the impact you think you could make at Upstart we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced and we encourage ownership at all levels of the organization. As a result culture at Upstart is driven by Upstarters. Upstarters are proactive talented multi-dimensional and collaborative.
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Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo California; Columbus Ohio; Austin Texas; and New York City NY.
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Date Posted
04/22/2026
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