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 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.

As a Staff Credit Analyst (Contractor) at Upstart, you will play a critical role in supporting the migration of key credit analytics and operational processes from legacy spreadsheet-based workflows into a newly developed internal platform. You will partner closely with Credit Analytics, Product, Engineering, and Operations teams to validate functionality, reconcile outputs, identify issues, and support a successful rollout and adoption of the new system.

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.

Minimum 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.

Preferred Qualifications

• 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.

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

Term of Contract: 9 months

Time zone requirements The team operates on West Coast time zones.

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 or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

“This opportunity is a contractor role and is not eligible for Upstart’s employee compensation, equity, bonus, or benefits offerings.”

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