Upstart is looking to solve the business problem of expanding access to affordable credit by leveraging AI/ML-driven credit lending. The Credit Analytics team specifically aims to build foundational frameworks and infrastructures for forecasting and oversight to inform business decisions, manage risk, and develop business intelligence tools for self-service insight discovery and reporting automation.
Requirements
- Expertise in credit analytics, decision, and/or quantitative financial model development with Python, R, & SQL
- Experience in decisioning supported by large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, & Redshift
- Leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker)
Responsibilities
- Lead workstreams in driving critical insights and decisions concerning credit performance and strategies, and contributing to the long term development in underwriting framework and analytics infrastructure.
- Building out a best in class data driven credit forum, ensuring continuous feedback loop with product and business roadmaps.
- Collaborating closely with other Data Analytics, Machine Learning, and Product teams, you will spearhead initiatives that support Upstart’s multi-product growth and extend our market leadership in lending.
- 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
- Build foundational forecast models, data pipelines, and automated reporting to enable robust and dynamic credit intelligence for Upstart analyst community
Other
- 6+ years in professional experience in technology and financial industries
- Degree in 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
- Ability to craft executive-ready narratives around complex business or performance topics
- Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products
- Experience in coaching and mentoring junior team members on technical subjects
- The team operates on the West coast time zones.
