Staff Analyst, Investor Analytics
AI summary of the role
Staff-level analytics role owning the end-to-end credit performance narrative for Upstart's HELOC product, building data pipelines, automated monitoring, and recurring reporting for institutional capital partners.
What you’ll do
- Own the HELOC credit performance narrative end-to-end, including arrears, roll rates, vintage loss curves, and model calibration for investors and internal leadership.
- Partner with Capital Markets and Lending Partnerships to engage institutional investors and craft tailored capital solutions for the home equity program.
- Deliver recurring yield, default, and prepayment reporting to capital partners and internal teams on a reliable cadence.
- Build credit intelligence infrastructure using agentic AI tools (Claude Code, Codex) to automate pipelines, monitoring, and reporting.
What you’ll bring
- 5+ years in financial services focused on credit/debt (consumer or structured credit, private credit, securitization, or credit capital markets).
- Hands-on proficiency in Python and SQL with demonstrated credit analytics experience (delinquency, roll rates, vintage loss curves, model calibration).
- Expertise in large datasets, data modeling, and building robust data pipelines using Databricks, Redshift, DBT, and BI tools.
- Degree in Finance, Economics, Statistics, Engineering, Data Science, or another quantitative field.
Technologies
Python · SQL · Databricks · Redshift · DBT · Tableau · PowerBI · Looker · Claude Code · Codex
About Upstart
AI lending marketplace connecting consumers with bank and credit union partners across personal, auto, home-equity, and revolving-credit products.
Public · 1000–2000 people
Source and classification
Internal deployment & tooling · Evidence for this classification:
institutional capital partners understand and price Upstart’s credit performance, working across Capital Markets, Lending Partnerships, Machine Learning, Product, and Finance to keep that view accurate and current. Our priority right now is putting the credit groundwork in place for HELOC, Upstart’s home equity product as we go to market to raise capital, As the Staff Analyst, Investor Analytics at Upstart, you will own the credit and performance story for our HELOC business end to end, building the performance data, automated monitoring, and recurring reporting that let us speak with authority about how the book is performing. You will partner closely with our Capital Markets, Lending Partnership, Machine Learning, and Product teams, work directly with some of the top institutional capital providers in the industry, and help model and steer deal strategy for our capital partners. We
More from the job description
About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way [... source excerpt omitted ...] t now is putting the credit groundwork in place for HELOC, Upstart’s home equity product as we go to market to raise capital, As the Staff Analyst, Investor Analytics at Upstart, you will own the credit and performance story for our HELOC business end to end, building the performance data, automated monitoring, and recurring reporting that let us speak with authority about how the book is performing. You will partner closely with our Capital Markets, Lending Partnership, Machine Learning, and Product teams, work directly with some of the top institutional capital providers in the industry, and help model and steer deal strategy for our capital partners. We build with AI: the tea [... source excerpt omitted ...] e 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. Minimum Qualifications Extensive Industry Experience: 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. Credit Analytics Expertise: Background in credit analytics with hands-on proficiency in Python, and SQL, and demonstrated experience analyzing and explaining portfolio credit performance,
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