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 1,800 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 that works best for you.
If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.
**The Team: **
Upstart’s Credit Analytics team is at the center of how we understand, forecast, and communicate credit performance across the company. The team builds the frameworks, infrastructure, and insights that connect our AI-driven underwriting, portfolio performance, and funding strategy, ensuring our decisions are grounded in a rigorous and forward-looking view of risk and return.
As the Director, Analytics (Credit Analytics) at Upstart, you will lead and scale a horizontal analytics organization spanning credit forecasting & valuation and risk capital. You will set the vision, roadmap, and operating model for this area—developing leaders and ICs, upleveling our analytical foundations, and unifying how we tell our credit story internally and externally in close partnership with Machine Learning, Finance, Capital, and investor-facing analytics teams.
How you’ll make an impact
- **Own and evolve the Credit Analytics vision and roadmap **across credit forecasting & valuation and risk capital, building a high-performing team of managers and analysts and setting a strong bar for analytical rigor, execution, and collaboration.
- Lead the implementation, enhancement, and disciplined use of foundational credit forecasting and valuation frameworks that underpin financial planning, portfolio performance monitoring, and investor narratives—ensuring our forecasts and asset valuations are robust, explainable, and subject to bank-grade governance.
- Own the operations, measurement, and reporting for risk capital, which represents the majority of Upstart’s funding base—developing capital analytics, stress scenarios, and risk appetite frameworks that support seamless execution of risk capital deals and disciplined portfolio management.
- Partner with product, engineering, and capital stakeholders to define and build the next generation of credit and capital infrastructure and tooling, including data models, pipelines, and dashboards that enable scalable, self-serve insights for analysts and leaders across the company.
- Unify Upstart’s internal and external credit risk narrative in close collaboration with ML and investor- and capital-focused analytics peers, translating complex performance drivers into clear, executive-ready insights and recommendations that guide funding strategy, deal structures, and long-term risk-reward tradeoffs.
- Develop, coach, and empower your team—including both people leaders and senior ICs—by establishing best practices, elevating technical and business problem-solving, and fostering a culture of ownership, curiosity, and continuous improvement
**Minimum Qualifications **
- 10+ years of professional experience in analytics, risk, or quantitative finance roles in technology, fintech, or financial services, including 5+ years leading and developing analytics and/or risk management teams.
- Experience building and deploying credit risk / loss forecasting and portfolio valuation frameworks for consumer credit or comparable lending businesses.
- Hands-on experience with structured finance and/or risk capital (for example, securitizations, warehouse facilities, forward-flow or other institutional funding structures), including comfort working with cash flow, return, and risk metrics.
- Advanced proficiency in SQL and at least one analytical programming language (such as Python or R), with demonstrated experience working with large datasets and modern data platforms and BI tools.
- Degree in Quantitative Finance/Economics, Statistics, Engineering, Data Science, or another quantitative field (or equivalent practical experience)
Preferred Qualifications
- Track record of integrating credit, finance, and capital perspectives into unified analytical frameworks and narratives that influence senior executives and cross-functional leaders.
- Experience building or modernizing credit forecasting, valuation, and/or capital analytics infrastructure (e.g., data models, pipelines, dashboards, automated reporting) in partnership with engineering and ML teams.
- Proven ability to mentor and coach both managers and senior ICs on technical depth, business judgment, and stakeholder influence.
- Experience working with internal and external audits, controls, and governance (for example, SOX, or valuation reviews) related to credit models, asset valuations, or risk capital structures.
- Comfort operating in a hands-on, strategic leadership role—able to dive into the data and details when needed while maintaining a clear view of long-term goals, tradeoffs, and priorities
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
#LI-REMOTE
#LI-Director
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
United States | Remote - Anticipated Base Salary Range
$198,100—$291,000 USD
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
Canada | Remote - Anticipated Base Salary Range
$204,000—$250,000 CAD
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan 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 designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Income protection benefits, including life insurance and disability coverage for added financial security
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (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 your physical and emotional well-being and personal development, based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- Connection and community through team events, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
For roles based in Canada, please note that we are not currently able to hire in Quebec.
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com
https://www.upstart.com/candidate_privacy_policy