[Remote] Staff Analyst, Investor Analytics

Note: The job is a remote job and is open to candidates in USA. Upstart is hiring a Staff Analyst, Investor Analytics to own the credit and performance story for its HELOC business. The role builds performance data, automated monitoring, and recurring reporting, while partnering with capital providers and internal teams to inform credit analysis and deal strategy.

Responsibilities

• 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

Skills

• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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

Benefits

• Target bonuses and annual equity grants that vest quarterly
• Retirement benefits: a 401(k) in the US or Group Retirement Savings Plan in Canada, 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, including medical, dental, vision, and wellness resources for US employees; supplemental health coverage for Canada
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Life insurance and disability coverage
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave; 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 physical and emotional well-being and personal development
• Annual productivity allowance for relevant tools and resources
• Digital-first work flexibility, with most employees able to work from home or an office
• Regular team onsites and in-person meetings; most teams meet once or twice per quarter for 2–4 consecutive days
• Connection and community through team events, all-company updates, and employee resource groups (ERGs)
• Catered lunches and fully stocked micro-kitchens when working from offices in the Bay Area, Austin, Columbus, and New York City

Company Overview

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