Principal Credit Analytics

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 decisions are grounded in a rigorous and forward-looking view of risk and return. As a Principal Credit Analytics , you will lead a key pillar of these functions, credit forecasting & valuation or risk capital analytics—driving high-impact analytics that inform portfolio strategy, financial planning, and funding decisions. You’ll partner closely with Machine Learning, Finance, Product, and Capital teams to translate complex credit dynamics into actionable insights and scalable systems. How you’ll make an impact Own a core analytics domain within Credit Analytics (forecasting & valuation or risk capital), driving execution and continuous improvement of frameworks that power portfolio monitoring, planning, and decision-making Develop and enhance credit forecasting and valuation methodologies , including loss forecasting, scenario analysis, and portfolio performance measurement, ensuring outputs are accurate, explainable, and decision-useful Contribute to risk capital analytics and reporting , supporting funding strategies such as securitizations, warehouse facilities, and forward-flow programs through robust performance tracking, stress scenarios, and risk/return analysis Translate analytics into business impact , delivering clear insights and recommendations that guide product strategy, credit policy, and funding decisions Partner cross-functionally with ML, Finance, Product, Engineering, and Capital teams to align on definitions, metrics, and frameworks, and to integrate analytics into core workflows and decision processes Build and scale analytics infrastructure , including data models, pipelines, dashboards, and reporting tools that enable consistent, self-serve insights across stakeholders Uplevel analytical rigor and processes , establishing best practices for validation, monitoring, and governance of credit models and analytics outputs Minimum Qualifications 7+ years of experience in analytics, credit risk, or quantitative finance within fintech, financial services, or related industries Experience building or applying credit risk / loss forecasting, portfolio analytics, or valu