# Asset Quality & Model Analyst

**Company:** [Upstart](https://hotfix.jobs/companies/upstart)
**Location:** Remote
**Role:** Data Analytics
**Salary:** $96k – $160k/yr
**Experience:** 3+ years
**Skills:** Excel, Google Sheets, SQL, Business Intelligence, Model Monitoring, Loan Review, Credit Analysis, Risk Management, Quality Control, Portfolio Analysis, Asset Quality, Model Governance, Data Analysis, Issue Tracking, Regulatory Reporting
**Posted:** 2026-09-08

> Analyzes loan-level quality, portfolio asset quality, and production model performance for unsecured lending. The role requires at least three years of experience in financial services or a related analytical risk function, plus proficiency with structured-data analysis and governance documentation.

## Job Description

## Responsibilities
- Conduct loan-level quality reviews across unsecured lending originations, assessing documentation completeness, underwriting accuracy, eligibility adherence, collateral quality, and other salability criteria.
- Organize and analyze portfolio performance data, including early payment defaults, delinquency, prepayment rates, loss severity, exception patterns, and other asset-quality indicators.
- Maintain recurring asset-quality and salability-risk reporting packages for bank partners, Capital Markets, and internal leaders, including data pulls, analysis, formatting, and quality checks.
- Track production model performance, override and exception trends, version changes, and potential performance degradation or out-of-bounds behavior.
- Maintain issue logs, defect trackers, remediation updates, and documentation libraries.
- Assemble evidence packages and reporting materials for bank-partner reviews, governance committees, and regulatory examinations.

## Requirements
- 3+ years of experience in financial services, credit operations, quality control, risk management, compliance, model monitoring, loan review, credit analysis, or a related analytical function.
- Experience applying established review criteria to loan-level data, credit files, origination documentation, collateral documentation, or lending operations outputs.
- Experience analyzing portfolio performance, asset-quality indicators, credit-policy exceptions, loan defects, remediation items, or operational-risk trends.
- Experience using Excel, Google Sheets, SQL, business-intelligence tools, reporting tools, or similar systems to organize and quality-check structured data.
- Experience documenting findings, exceptions, issue status, remediation progress, or review results for risk, compliance, credit, operations, audit, bank-partner, or regulatory stakeholders.

## Nice-to-haves
- Loan-file review, quality control, pre-sale quality control, investor delivery, or loan-salability review experience in unsecured lending.
- Knowledge of secured lending and secondary-market quality expectations, including investor eligibility standards, collateral documentation, lien perfection, representations and warranties, defect remediation, trailing performance thresholds, or repurchase risk.
- Experience interpreting early payment default, delinquency, prepayment, loss severity, non-performing-loan, or credit-policy-exception trends.
- Knowledge of model monitoring, model performance reporting, validation outputs, override and exception tracking, or model-governance documentation in lending or fintech.
- Ability to produce review summaries, governance materials, issue logs, reporting packages, and documentation for bank-partner or regulatory review.

## Compensation
- United States base salary: $115,800–$160,100 USD.
- Canada base salary: $96,100–$118,700 CAD.
- Additional compensation may include target bonuses, equity compensation, and benefits.

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