# Staff Analyst

**Company:** [Upstart](https://hotfix.jobs/companies/upstart)
**Location:** Remote
**Role:** Data Analytics
**Salary:** $140k – $218k/yr
**Experience:** 5+ years
**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
**Posted:** 2026-09-08

> 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.

## Job Description

## 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.

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