Upstart is looking to solve the problem of expanding access to affordable credit by leveraging AI/ML-driven credit lending. The Credit Analytics team needs to build foundational frameworks and infrastructures for loan performance, forecasting, market cycles, risk, and return trade-offs, as well as develop business intelligence tools for self-service reporting and automation.
Requirements
- Experience in developing credit analytics, financial forecasting, and/or quantitative risk models with Python, R, & SQL
- Experience in decisioning supported by large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, & Redshift
- Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker), and to successfully influence and drive C-level decision-making
- Experience in SOX controlled reporting or regulatory reporting cycles
- Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products
- Experience in developing junior team members on technical subjects
Responsibilities
- Partner with the Data Analytics vertical teams, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics and narratives, financial forecast, and driving consensus in the state of Upstart platform
- Influence Upstart’s credit platform and investor/lending community through informing decisions, opportunities, and risks, while supported by deep understanding and insights on Upstart’s machine learning model, credit, and valuation
- Lead and develop analytics on underwriting decisions, credit monitoring, model impacts, asset forecast, and valuation modeling to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions
- Develop foundational forecast pipelines, and automated reporting to enable robust and dynamic credit intelligence for Upstart analyst community
- Mentor junior team members on best practices and foster a center of excellence on data, credit, and analytics
Other
- 8+ years professional experience with demonstrated growth and leadership in technology and financial industry
- Degree in Quantitative Finance/Economics, Statistics, Engineering, Data Science or other quantitative fields
- Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams
- The team operates on the West coast time zones.
- 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.
