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UpstartUpstart

Staff Analyst

Staff Credit Analyst role focused on credit forecasting, portfolio analytics, valuation, and risk capital analysis for lending and funding decisions. Requires 5+ years of relevant experience, strong SQL and programming skills, and the ability to translate complex analysis into actionable insights.

About the job

Responsibilities

  • Develop and maintain credit analytics for portfolio monitoring, forecasting, valuation, and decision-making.
  • Support loss forecasting, scenario analysis, portfolio performance measurement, and reporting.
  • Contribute to risk capital analytics for securitizations, warehouse facilities, and forward-flow programs.
  • Analyze portfolio trends and provide recommendations to product, credit policy, finance, and funding stakeholders.
  • Partner cross-functionally to align metrics, analytical frameworks, definitions, and business requirements.
  • Build and improve data models, pipelines, dashboards, and automated reporting.
  • Establish practices for analytical validation, monitoring, documentation, and governance.
  • Communicate complex analyses to technical and non-technical audiences.

Requirements

  • 5+ years of experience in analytics, credit risk, quantitative finance, or a related field within fintech, financial services, consumer lending, or a similar industry.
  • Experience with credit risk, loss forecasting, portfolio analytics, valuation, or related financial-performance frameworks.
  • Working knowledge of risk capital or structured finance concepts, including securitizations, warehouse facilities, forward-flow programs, or investor reporting.
  • Strong SQL skills and proficiency in Python or R.
  • Experience working with large datasets and developing repeatable, well-documented analyses.
  • Ability to turn complex analytical work into actionable business insights.
  • Strong written and verbal communication and cross-functional collaboration skills.

Nice to Have

  • Experience partnering with Machine Learning or Data Science teams, especially in underwriting or model-performance monitoring.
  • Familiarity with capital analytics, deal economics, and risk/return frameworks.
  • Experience building analytics infrastructure, dashboards, automated reporting, or GenAI-enabled analytical solutions.
  • Exposure to model governance, controls, audit, model validation, or valuation review processes.
  • Ability to manage analytical projects, influence stakeholders, and drive alignment.

Compensation and Benefits

  • United States anticipated base salary: $157,000–$217,500 USD.
  • Target bonuses, equity compensation, and benefits including medical, dental, vision, retirement plans, employee stock purchase plan, health savings account contributions, life insurance, and disability coverage.

Skills

SQL, Python, R, Credit Risk, Loss Forecasting, Portfolio Analytics, Valuation, Structured Finance, Securitization, Data Modeling, Data Pipelines, Dashboards, Model Validation, Machine Learning, Generative AI

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