Director of Analytics

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.

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