Senior Manager, Risk 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 Risk team is hiring to enhance its second line of defense function in support of its application to establish a national bank. The Risk team is responsible for Upstart’s enterprise risk management program and risk governance, as well as for providing independent oversight and credible challenge across the following risk categories: operational risk, treasury risk (including liquidity risk, interest rate risk, price risk, and capital management), and operational risk. We partner with first-line business functions, senior and executive leadership, and the board of directors to ensure effective identification and assessment, measurement, monitoring and reporting, and response and control for all core risk types and in alignment with regulatory expectations. Upstart is hiring a Senior Manager, Risk Analytics to build and own the Risk teams’ risk data and analytics program, including the Key Risk Indicator (KRI) program and framework and quantitative risk reporting infrastructure. This role will work with first-line risk owners and second-line risk subject matter experts to: design and develop robust and scalable risk data models to empower the Risk team to retrieve meaningful insights; establish key risk indicators (KRIs) for all risk categories; implement centralized aggregation, monitoring, and reporting of those KRIs; and enforce a consistent methodology for risk metric measurement, threshold setting and monitoring, and breach escalation protocol and response framework. Additionally, this role will provide risk data support to all second-line risk teams, and will be a key standard setter for cross-team GRC tool usage. By establishing and running a centralized, quantitative risk monitoring program for Upstart Bank, this role is a key component of the overall ERM program, and will be a partner to senior first-line risk owners and second-line risk experts across all domains, as well as a liaison to external stakeholders such as examiners and auditors on the risk metrics program. How you’ll make an impact Understand how data is produced and consumed at a deep level in order to design risk data pipelines and models and build curated data sets to support enterprise-wide risk monitoring and reporting Own and manage the KRI program, collaborating with first-line risk owners and second-line risk domain SMEs to design, track, and report on risk metrics across all risk t