Staff Credit Analyst (Temporary)

The Team

Upstart's Credit Analytics team is responsible for understanding, monitoring, and communicating credit performance across the company. The team develops the processes, tools, and insights that support portfolio monitoring, forecasting, reporting, and risk management.

How you’ll make an impact

• Execute testing plans to validate the accuracy and functionality of credit analytics workflows migrated from spreadsheet-based processes into a new platform.
• Perform detailed reconciliations between legacy and new-system outputs, investigate discrepancies, and document findings.
• Partner with Engineering, Product, and Analytics teams to troubleshoot issues, validate fixes, and support platform readiness for production use.
• Develop reporting, monitoring, and validation processes that help ensure data quality and operational stability throughout the migration effort.
• Support go-live activities, including user acceptance testing, issue triage, process documentation, and stakeholder communications.
• Contribute to change management efforts by creating training materials, documenting workflows, and supporting end-user adoption of new processes.
• Leverage AI agents and modern tooling to accelerate testing, reconciliation, documentation, and root-cause investigation, continuously improving the speed and quality of the migration effort.

Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Engineering, Analytics, or a related quantitative field (or equivalent practical experience).
• 6+ years of experience in credit analytics, risk analytics, financial services analytics, or a related quantitative function.
• Experience performing data validation, reconciliation, testing, or quality assurance activities for analytical or operational processes.
• Advanced SQL skills and experience working with large datasets.
• Experience using spreadsheet-based analytical models and translating business requirements into scalable processes or systems.
• Knowledge of consumer lending, credit risk, loan performance monitoring, or portfolio analytics.
• Experience supporting technology implementations, system migrations, or process transformation initiatives.
• Ability to investigate data discrepancies and partner with technical teams to resolve root-cause issues.
• Experience creating process documentation, training materials, or operational readiness plans.
• Skills in Python, R, or business intelligence tools used for reporting and analysis.