Senior Manager, Credit Analytics

1 day, 23 hours ago
Full-time
Lead
Data Science and Analytics
Upstart

Upstart

Upstart Powered Loans: Personal, Car Refinance & Consolidation Through Upstart, apply online for a fast personal loan, auto refinancing, or debt consolidation. Try our quick rate check today with no impact to your credit! Founded by ex Googlers, Upstar...

Banks
1K-5K
Founded 2012

Description

  • Own a core analytics domain within Credit Analytics, driving execution and continuous improvement of forecasting, valuation, or risk capital frameworks.
  • Develop and enhance credit forecasting and valuation methodologies, including loss forecasting, scenario analysis, and portfolio performance measurement.
  • Contribute to risk capital analytics and reporting that supports securitizations, warehouse facilities, forward-flow programs, and investor reporting.
  • Translate complex analytics into clear insights and recommendations that inform product strategy, credit policy, financial planning, and funding decisions.
  • Partner cross-functionally with Machine Learning, Finance, Product, Engineering, and Capital teams to align on metrics, definitions, and decision workflows.
  • Build and scale analytics infrastructure, including data models, pipelines, dashboards, and reporting tools.
  • Establish best practices for validation, monitoring, and governance of credit models and analytics outputs.
  • Lead and develop a team of analysts through coaching, high standards, and a culture of ownership and continuous improvement.

Requirements

  • 7+ years of experience in analytics, credit risk, or quantitative finance within fintech, financial services, or related industries.
  • 2+ years of team leadership or mentorship experience.
  • Experience building or applying credit risk, loss forecasting, portfolio analytics, or valuation frameworks in consumer lending or a similar domain.
  • Exposure to risk capital or structured finance concepts such as securitizations, warehouse facilities, forward flow, or investor reporting.
  • Strong analytical and technical skills, including proficiency in SQL and at least one programming language such as Python or R.
  • Experience working with large datasets.
  • Ability to translate complex analyses into clear, actionable insights for technical and non-technical stakeholders.
  • Experience partnering with machine learning or data science teams, particularly in underwriting or model performance monitoring, is preferred.
  • Familiarity with capital analytics, deal economics, and risk/return frameworks is preferred.
  • Experience building or improving analytics infrastructure, such as data models, dashboards, automated reporting, or GenAI solutions, is preferred.
  • Exposure to model governance, controls, or audit processes such as SOX, model validation, or valuation reviews is preferred.
  • Demonstrated ability to influence cross-functional stakeholders and drive alignment across teams is preferred.
  • Remote location is available for this role, and the team operates on West Coast time zones.

Benefits

  • Anticipated base salary range of $182,300 to $252,500 USD for U.S. remote candidates.
  • Target bonuses and annual equity compensation.
  • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year.
  • Employee Stock Purchase Plan with discounted stock purchase options for eligible employees.
  • Affordable medical, dental, and vision coverage, with Upstart covering 90% to 100% of costs depending on plan selection.
  • Health Savings Account contributions for eligible plans.
  • Income protection benefits, including company-paid life, AD&D, and short- and long-term disability coverage.
  • Paid time off, sick and safe time, and company holidays.
  • Paid family and parental leave.
  • Family-centered benefits through Carrot and Cleo for fertility, parenthood, and caregiving support.
  • Employee Assistance Program offering mental health support and life-centered resources.
  • Financial wellness resources, including financial planning tools and a financial concierge service.
  • Annual wellness allowance for physical and emotional well-being and personal development.
  • Annual productivity allowance for tools and resources to support remote work.
  • Connection and community through team events, onsites, all-company updates, and employee resource groups.
  • Onsite perks such as catered lunches and stocked micro-kitchens in office locations.

Interested in this position?

Apply directly on the company website

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