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 Home Lending Legal, Regulatory, and Risk Management team plays a critical role in enabling the growth and stability of our Home Lending business. We work cross-functionally with Operations, Engineering, Product, Legal, Risk, and Compliance to ensure that Upstart’s home lending activities meet regulatory standards and align with best practices. Our team is focused on building scalable, effective, and forward-looking compliance oversight that empowers business success while managing risk.

The HMDA/CRA Data Analyst is responsible for supporting the organization’s compliance with Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) data collection, integrity, reporting, and submission requirements. This role primarily oversees the end-to-end HMDA and CRA data integrity process, including data validation, issue resolution, quality control testing, and timely regulatory submissions.

How you’ll make an impact

• Manage HMDA and CRA data integrity reviews, including routine monitoring, exception tracking, and remediation.
• Coordinate the annual HMDA Loan/Application Register (LAR) and CRA data submission processes.
• Perform data validation and quality control testing to identify coding, completeness, and accuracy issues.
• Partner with Compliance, Operations, Engineering, and other business teams to resolve data discrepancies.
• Maintain documentation of data reviews, corrections, procedures, controls, and submission evidence.
• Support regulatory exams, internal audits, compliance testing, and investor or management reporting related to HMDA and CRA.
• Monitor regulatory changes and assist with updates to policies, procedures, training, and system controls.
• Prepare periodic reporting for management on data quality trends, exceptions, corrective actions, and submission readiness.

Minimum Qualifications

• 3-5 years of experience with HMDA and CRA data collection, reporting, or compliance reporting and monitoring.
• Strong understanding of mortgage lending operations and regulatory data requirements.
• Excellent analytical, organizational, and problem-solving skills.
• Ability to work cross-functionally and manage deadlines in a highly regulated environment.
• Proficiency with loan origination, compliance, or data reporting systems.

Preferred Qualifications

• Prior experience preparing HMDA LAR or CRA submissions.
• Familiarity with fair lending, mortgage compliance, or consumer lending compliance.
• Experience supporting regulatory exams, audits, or compliance testing.

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. 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. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

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