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CAREERS HOME OPEN ROLES BLOG ABOUT UPSTART CAREERS PROFILE Analyst, Loan Salability & First-Line Model Governance Analyst, Loan Salability & First-Line Model Governance R-00128 Burlingame, California, United States Risk & Compliance Department ADD TO FAVORITES VIEW FAVORITES 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 3,000 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 Secured Lending organization is building the first-line risk and control infrastructure that will support the next stage of growth across home equity line of credit, auto direct, and auto indirect dealer products. The team helps ensure secured lending products operate with clear governance, durable controls, high-quality execution, and readiness for bank partner and regulatory review. Loan Salability & First-Line Model Governance monitors portfolio-wide trends across loan salability, asset quality, and model performance. The team tracks results against investor and bank partner thresholds, interprets model execution patterns across secured lending channels, and escalates systemic findings before they become repurchase events, partner concerns, or examination issues. As an Analyst, Loan Salability & First-Line Model Governance at Upstart, you will support the day-to-day execution of this function by conducting loan-level reviews, organizing portfolio and model performance data, maintaining tracking tools, documenting findings, and preparing reporting and governance deliverables. You will report to the Senior Manager, Loan Salability & First-Line Model and work closely with Credit Risk, Capital Markets, Model Risk Management, Operations, and other secured lending partners. How you'll make an impact Execute loan-level quality reviews across secured lending originations, assessing documentation completeness, underwriting accuracy, eligibility adherence, collateral quality, and other salability criteria. Pull, organize, and analyze portfolio performance data, including early payment defaults, delinquency trends, prepayment rates, loss severity, exception patterns, and other asset quality indicators. Maintain recurring asset quality and salability risk reporting packages for bank partners, Capital Markets, and internal leaders, including data pulls, analysis, formatting, and quality checks. Execute first-line model performance tracking — maintaining production model tracking tools, logging override and exception trends, tracking version changes, and independently flagging patterns that may indicate performance degradation or out-of-bounds behavior for escalation. Maintain issue logs, defect trackers, remediation updates, and documentation libraries so records stay current, organized, and ready for bank partner or regulatory review. Drive governance and exam readiness deliverables — independently assembling evidence packages, populating reporting templates, and coordinating materials for bank partner reviews, committee deliverables, and regulatory examinations. Minimum Qualifications 3+ years of experience in financial services, credit operations, quality control, risk management, compliance, model monitoring, loan review, credit analysis, or a related analytical function. Experience applying established review criteria to loan-level data, credit files, origination documentation, collateral documentation, or lending operations outputs. Experience analyzing portfolio performance, asset quality indicators, credit policy exceptions, loan defects, remediation items, or operational risk trends. Experience using Excel, Google Sheets, SQL, business intelligence tools, reporting tools, or similar systems to organize, analyze, and quality-check structured data. Experience documenting findings, exceptions, issue status, remediation progress, or review results for risk, compliance, credit, operations, audit, bank partner, or regulatory stakeholders. Preferred Qualifications Experience with loan file review, quality control, pre-sale quality control, investor delivery, or loan salability review in mortgage, home equity, auto, or other secured lending products. Knowledge of secured lending and secondary-market quality expectations, including investor eligibility standards, collateral documentation, lien perfection, representations and warranties, defect remediation, trailing performance thresholds, or repurchase risk. Experience tracking and interpreting asset quality or portfolio performance indicators such as early payment default, delinquency, prepayment, loss severity, non-performing loan trends, or credit policy exception rates. Knowledge of model monitoring concepts, model performance reporting, validation outputs, override and exception tracking, or model governance documentation in a lending or fintech environment. Skilled in producing clear review summaries, governance materials, issue logs, reporting packages, and documentation that can support bank partner or regulatory review. 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. #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $115,800—$160,100 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy APPLY NOW! Sign up for job alerts! First Name (required) Last Name (required) Email (required) Job Alert Finalize your job alert by selecting criteria from the dropdowns below. You can select multiple options from each dropdown by returning to the combobox and re-entering the list of options. Submit at the end to create your job alert. Categories Risk & Compliance Department Locations Burlingame, California, United States SUBMIT Similar Jobs Data Analyst, Home Lending Home Lending Underwriter Compliance & Controls Associate, Auto Servicing Current Upstart employee? CLICK HERE Ready to Apply? First Name (required) Last Name (required) Phone Number (required) Email (required) Resume (required) Accepted formats: PDF, DOC, DOCX, RTF, ODT, XML, DOT, PNG, GIF, JPG, JPEG, ZIP What is your current location? Please note we are unable to hire candidates based in Quebec at this time. (required) United States Canada (outside of Quebec) Location Preference (required) As a digital-first company, we are providing our employees with the opportunity to work remotely across the US and/or from one of our physical office locations. Please select from the list below your primary work location preference(s). Primary work location is defined as where you will spend more than 50% of your time working. Before making your selection(s), please check to make sure that the location is listed as an option in the job’s description above. Multiple selections can be made if multiple locations are available. Remote is considered a location. San Mateo, CA Columbus, OH Austin, TX Remote Do you need, or will you need in the future, any immigration-related support or sponsorship from the Company in order to begin or continue employment with the Company? This includes support (such as J-1, F-1 CPT letter or STEM OPT Training Plan), visa sponsorship for employment (H-1B, H-1B1, E-3, O-1, or TN), and any EAD holders that will need longer term employment authorization (temporary work visa or permanent residency). (required) No Yes Before applying, how familiar were you with Upstart? (required) I was already familiar with Upstart I had heard of Upstart, but didn’t know much I learned about Upstart through this job posting or from a recruiter Before applying, how did you hear about Upstart? (required) A recruiter contacted me (email) A recruiter contacted me (LinkedIn message) Referred by a current Upstart employee Referred by someone outside Upstart (friend or former coworker) LinkedIn job post LinkedIn company page Upstart careers website Upstart blog or content Indeed Built In Hired Another job site Instagram X (Twitter) TikTok YouTube News article or press coverage General online search I use Upstart as a customer or partner Other Have you been employed by Upstart before? (required) No Yes LinkedIn Profile (required) Website Voluntary Self-Identification of Disability Form CC-305 Page 1 of 1 OMB Control Number 1250-0005 Expires 04/30/2026 Why are you being asked to complete this form? We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years. Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp. How do you know if you have a disability? A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to: Alcohol or other substance use disorder (not currently using drugs illegally) Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS Blind or low vision Cancer (past or present) Cardiovascular or heart disease Celiac disease Cerebral palsy Deaf or serious difficulty hearing Diabetes Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders Epilepsy or other seizure disorder Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome Intellectual or developmental disability Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD Missing limbs or partially missing limbs Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS) Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities Partial or complete paralysis (any cause) Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema Short stature (dwarfism) Traumatic brain injury Disability Status (required) I do not want to answer No, I do not have a disability and have not had one in the past Yes, I have a disability, or have had one in the past If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans' Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows: A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense. An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985. Veteran Status (required) I don't wish to answer I identify as one or more of the classifications of a protected veteran I am not a protected veteran Voluntary Self-Identification For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file. As set forth in Upstart’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law. Race (required) Decline To Self Identify Two or More Races Native Hawaiian or Other Pacific Islander White Hispanic or Latino Black or African American Asian American Indian or Alaskan Native Gender (required) Decline To Self Identify Female Male PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete. APPLY OUR STORY LEADERSHIP CAREERS PRESS CONTACT US STORE AFFILIATES INVESTOR RELATIONS YOUR PRIVACY CHOICES CALIFORNIA NOTICE COLLECTION HELP CENTER LEGAL PRIVACY POLICY ACCESSIBILITY LEARN PERSONAL LOANS CAR LOAN REFINANCE DEBT CONSOLIDATION UPSTART LOGIN Copyright © 2012 - 2026 Upstart Network, Inc. All rights reserved. 2950 S. Delaware Street, San Mateo, CA 94403 Please choose the location(s)

Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.

Analyst

69 days ago

Fraud Analyst, Secured Lending

Upstart · United States

Pay

$116k–160k

Setting

Remote

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CAREERS HOME OPEN ROLES BLOG ABOUT UPSTART CAREERS PROFILE Fraud Analyst, Secured Lending Fraud Analyst, Secured Lending R-00085 Risk & Compliance Department ADD TO FAVORITES VIEW FAVORITES 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 3,000 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 Secured Lending Fraud Oversight function is the Bank's first-line fraud detection, investigation, and monitoring across the HELOC and Auto Lending business lines. As a business unit function, the team owns fraud risk identification, investigation of suspected fraudulent activity, referral package preparation, and fraud trend analysis and reporting. The fraud function operates with direct access to loan files, origination data, and dealer and channel relationships — enabling the depth and speed of investigation that the Bank's fraud risk profile demands. The team works in close coordination with the Secured Lending Quality Control function: QC analysts escalate fraud indicators identified during file reviews, and fraud analysts provide fraud-focused review support during lower-volume periods, consistent with a documented cross-utilization protocol and independence safeguards. As a Fraud Analyst, you will own day-to-day fraud detection and investigation for your assigned product line(s). You will investigate suspected fraud across the entire loan life cycle from application through loan servicing; identify and document emerging typologies and fraud patterns; prepare escalation and SAR referral packages for review; and partner with Operations, Risk, Compliance, and Legal to strengthen fraud controls across the business. This is an opportunity for an experienced fraud professional who is energized by building investigation programs in a fast-paced, technology-driven lending environment — and who wants to operate at the intersection of fraud, compliance, and AI-powered risk controls. How you’ll make an impact Own first-line fraud detection and investigation across your assigned secured lending product line(s), monitoring for suspicious activity and fraud indicators across application, origination, and servicing Investigate key fraud risks and emerging typologies, including application fraud, identity fraud (true-name and synthetic), income and employment misrepresentation, collateral fraud, and Auto dealer-related fraud patterns Investigate product specific fraud typologies including occupancy misrepresentation, valuation inflation, and undisclosed liabilities or loan stacking Prepare comprehensive fraud escalation and SAR referral packages for review — documenting facts, evidence, typology, and recommendations Conduct early payment default (EPD) fraud file reviews — performing fraud indicator review on loans reaching 60+ days past due within 90 days of origination Monitor and analyze fraud trends across origination channels, including application fraud rates, dealer-level fraud indicators, geographic concentrations, synthetic identity patterns, and channel-level risk signals; producing fraud metrics and trend reporting Maintain dealer fraud scorecards (Auto) and channel-level fraud indicator tracking, including pattern-based referrals and dealer suspension triggers in coordination with Vendor Management and dealer oversight functions Integrate closely with the Secured Lending QC team — triage fraud-related alerts surfaced by the QC Engine's daily monitoring output; provide typology and red flag feedback to improve detection rules and origination controls Coordinate across Operations, Compliance, Legal, and Risk on fraud control enhancements, law enforcement information requests, and regulatory response support Proactively identify regulatory risks related to fraud in your product line(s) and adjacent areas, including obligations under OCC Bulletin 2019-37, FFIEC BSA/AML Manual, Red Flags Rule (12 CFR Part 41, Subpart J), 12 CFR 21.11, and product-specific fraud risk requirements Support examination readiness by maintaining audit-ready fraud investigation case records, typology documentation, and program evidence aligned with OCC, FDIC, and CFPB expectations Minimum Qualifications 3+ years of experience in fraud investigation, fraud analytics, or financial crimes within consumer lending, banking, or a regulated financial institution Bachelor's degree or equivalent practical experience Experience investigating consumer lending fraud — including application fraud, identity fraud, income/employment misrepresentation, and collateral fraud Experience preparing fraud investigation case documentation — fact and evidence assembly, typology analysis, and written escalation packages for compliance or legal review Familiarity with SAR referral processes, 12 CFR 21.11 SAR thresholds and timelines Working knowledge of BSA/AML program requirements applicable to consumer lending, including CIP/CDD, OFAC screening, suspicious activity monitoring, and Red Flags Rule obligations Working knowledge of OCC enterprise fraud risk management and FFIEC BSA/AML Manual requirements relevant to fraud investigation and suspicious activity reporting Experience with fraud trend analysis — application fraud rate monitoring, typology identification, channel and geographic concentration analysis Ability to manage own workload, meet deadlines, and proactively communicate risk to timelines with minimal supervision Strong cross-functional collaboration skills — able to work effectively with Operations, Compliance, Legal, and Risk on fraud escalation and control improvement initiatives Preferred Qualifications Experience investigating dealer channel fraud, including power booking, ghost down payments, straw purchases, VIN cloning, title washing, and F&I product abuse Experience maintaining dealer-level fraud scorecards and pattern-based dealer monitoring or suspension workflows Experience investigating collateral fraud typologies in home equity lending — occupancy misrepresentation, appraisal inflation, undisclosed liabilities/loan stacking Familiarity with CIP/CDD execution requirements and fraud red flags in account draw activity and maintenance Experience identifying fraud indicators across income, identity, appraisal, and title documentation within origination files Certified Fraud Examiner (CFE) designation or active progress toward CFE certification Experience with fraud metrics reporting to management committees (Credit Committee, Risk Committee, or equivalent) Familiarity with EPD review processes and OCC fraud loss classification requirements Ability to translate investigation findings into structured, examination-ready documentation for OCC, FDIC, or CFPB review Collaborative approach to working across fraud, compliance, legal, and quality control functions in a fast-paced fintech environment 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. #LI-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $115,800—$160,100 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy APPLY NOW! Sign up for job alerts! First Name (required) Last Name (required) Email (required) Job Alert Finalize your job alert by selecting criteria from the dropdowns below. You can select multiple options from each dropdown by returning to the combobox and re-entering the list of options. Submit at the end to create your job alert. Categories Risk & Compliance Department Locations SUBMIT Similar Jobs Data Analyst, Home Lending Senior Collections Specialist Staff Data Analyst, Servicing Current Upstart employee? CLICK HERE Ready to Apply? First Name (required) Last Name (required) Phone Number (required) Email (required) Resume (required) Accepted formats: PDF, DOC, DOCX, RTF, ODT, XML, DOT, PNG, GIF, JPG, JPEG, ZIP What is your current location? Please note we are unable to hire candidates based in Quebec at this time. (required) United States Canada (outside of Quebec) Location Preference (required) As a digital-first company, we are providing our employees with the opportunity to work remotely across the US and/or from one of our physical office locations. Please select from the list below your primary work location preference(s). Primary work location is defined as where you will spend more than 50% of your time working. Before making your selection(s), please check to make sure that the location is listed as an option in the job’s description above. Multiple selections can be made if multiple locations are available. Remote is considered a location. San Mateo, CA Columbus, OH Austin, TX Remote Do you need, or will you need in the future, any immigration-related support or sponsorship from the Company in order to begin or continue employment with the Company? This includes support (such as J-1, F-1 CPT letter or STEM OPT Training Plan), visa sponsorship for employment (H-1B, H-1B1, E-3, O-1, or TN), and any EAD holders that will need longer term employment authorization (temporary work visa or permanent residency). (required) No Yes Before applying, how familiar were you with Upstart? (required) I was already familiar with Upstart I had heard of Upstart, but didn’t know much I learned about Upstart through this job posting or from a recruiter Before applying, how did you hear about Upstart? (required) A recruiter contacted me (email) A recruiter contacted me (LinkedIn message) Referred by a current Upstart employee Referred by someone outside Upstart (friend or former coworker) LinkedIn job post LinkedIn company page Upstart careers website Upstart blog or content Indeed Built In Hired Another job site Instagram X (Twitter) TikTok YouTube News article or press coverage General online search I use Upstart as a customer or partner Other Have you been employed by Upstart before? (required) No Yes LinkedIn Profile Website Voluntary Self-Identification of Disability Form CC-305 Page 1 of 1 OMB Control Number 1250-0005 Expires 04/30/2026 Why are you being asked to complete this form? We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years. Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp. How do you know if you have a disability? A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to: Alcohol or other substance use disorder (not currently using drugs illegally) Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS Blind or low vision Cancer (past or present) Cardiovascular or heart disease Celiac disease Cerebral palsy Deaf or serious difficulty hearing Diabetes Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders Epilepsy or other seizure disorder Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome Intellectual or developmental disability Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD Missing limbs or partially missing limbs Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS) Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities Partial or complete paralysis (any cause) Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema Short stature (dwarfism) Traumatic brain injury Disability Status (required) I do not want to answer No, I do not have a disability and have not had one in the past Yes, I have a disability, or have had one in the past If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans' Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows: A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense. An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985. Veteran Status (required) I don't wish to answer I identify as one or more of the classifications of a protected veteran I am not a protected veteran Voluntary Self-Identification For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file. As set forth in Upstart’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law. Race (required) Decline To Self Identify Two or More Races Native Hawaiian or Other Pacific Islander White Hispanic or Latino Black or African American Asian American Indian or Alaskan Native Gender (required) Decline To Self Identify Female Male PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete. APPLY OUR STORY LEADERSHIP CAREERS PRESS CONTACT US STORE AFFILIATES INVESTOR RELATIONS YOUR PRIVACY CHOICES CALIFORNIA NOTICE COLLECTION HELP CENTER LEGAL PRIVACY POLICY ACCESSIBILITY LEARN PERSONAL LOANS CAR LOAN REFINANCE DEBT CONSOLIDATION UPSTART LOGIN Copyright © 2012 - 2026 Upstart Network, Inc. All rights reserved. 2950 S. Delaware Street, San Mateo, CA 94403 Please choose the location(s)

Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.

Analyst

79 days ago

Director, Financial Crimes Compliance

Upstart · United States

Pay

$201k–278k

Setting

Remote

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CAREERS HOME OPEN ROLES BLOG ABOUT UPSTART CAREERS PROFILE Director, Financial Crimes Compliance Director, Financial Crimes Compliance R-00060 Burlingame, California, United States Risk & Compliance Department ADD TO FAVORITES VIEW FAVORITES 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 3,000 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 Role: As the Director, Financial Crimes Compliance you will play a key role in providing guidance in supporting Upstart Bank’s FCC program. If you are excited by designing scalable compliance solutions, and building trusted relationships across a fast-moving fintech, this role is for you. How you’ll make an impact Develop, implement, and maintain Upstart’s Enterprise-Wide BSA/AML/OFAC Compliance Program, ensuring it remains aligned with regulatory requirements, evolving financial crime risks, and the company’s risk appetite. Lead enterprise-wide BSA/AML and sanctions risk assessments, identify emerging risks, and establish risk-based controls, monitoring frameworks, and governance processes to mitigate financial crime exposure. Present regular reporting to the Board of Directors, executive leadership, and risk committees, including risk assessment results, program effectiveness metrics, key risk indicators (KRIs), regulatory developments, and remediation progress. Manage a comprehensive Customer Identification Program (CIP), Know Your Customer (KYC), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) framework, including oversight of customer risk rating methodologies and ongoing monitoring activities. Oversee the review and management of high-risk customer relationships, including onboarding decisions, periodic reviews, escalation processes, and recommendations regarding customer exits or relationship terminations. Provide senior-level oversight and strategic guidance for complex investigations involving unusual activity, suspicious activity reporting (SAR), and regulatory reporting obligations. Serve as the primary point of contact for regulatory examinations, independent audits, and compliance reviews related to BSA/AML and sanctions compliance, ensuring timely and effective remediation of identified issues. Partner with Product, Engineering, Operations, Legal, and Risk teams to design scalable financial crime controls for new products, including consumer deposit and lending products. Monitor regulatory developments and provide guidance on BSA, AML, sanctions, fraud, and related financial crime compliance requirements impacting Upstart’s business. Minimum Qualifications Bachelor’s degree in Business, Finance, Accounting, Criminal Justice, Law, or a related field. 10+ years of experience leading BSA/AML compliance programs within a bank, credit union, fintech, or other regulated financial institution. Deep knowledge of the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC sanctions requirements, FinCEN guidance, Know Your Customer (KYC) ,Customer Identification Program (CIP), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and Suspicious Activity Reporting (SAR) requirements. Experience completing BSA/AML/OFAC risk assessments and using the results to build, enhance, and manage BSA/AML compliance programs supporting consumer deposit products and lending products. Experience overseeing high-risk customer programs, customer risk rating methodologies, enhanced due diligence reviews, and customer relationship termination decisions. Demonstrated experience leading regulatory examinations, independent audits, and remediation efforts related to BSA/AML and sanctions compliance. Experience presenting financial crime compliance matters, risk assessments, and program metrics to senior executives, risk committees, and Boards of Directors. Knowledge of consumer banking regulations applicable to deposit and lending products. Preferred Qualifications CAMS (Certified Anti-Money Laundering Specialist), CAFP (Certified AML and Fraud Professional), CRCM, or comparable compliance certification. Experience serving as a BSA Officer, Deputy BSA Officer, or senior financial crimes compliance leader within a highly regulated financial institution. Experience building and scaling AML transaction monitoring, sanctions screening, customer risk scoring, and implementing case management programs. Experience using AI powered solutions to scale and automate BSA program work Knowledge of digital banking, fintech, embedded finance, or marketplace lending business models. Experience implementing technology-enabled compliance solutions, automated controls, and risk monitoring frameworks. Experience working directly with federal and state banking regulators, including OCC, FDIC, Federal Reserve, CFPB, FinCEN, or state banking agencies. Familiarity with fraud risk management frameworks and the intersection of fraud and AML compliance programs. Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/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 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. #LI-REMOTE #LI-Director --> use for L7 At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $201,200—$278,500 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy APPLY NOW! Sign up for job alerts! First Name (required) Last Name (required) Email (required) Job Alert Finalize your job alert by selecting criteria from the dropdowns below. You can select multiple options from each dropdown by returning to the combobox and re-entering the list of options. Submit at the end to create your job alert. Categories Risk & Compliance Department Locations Burlingame, California, United States SUBMIT Similar Jobs Director, Compliance & Control Oversight - Growth Fraud Analyst, Secured Lending Compliance Risk & Controls Manager, Unsecured Line Current Upstart employee? CLICK HERE Ready to Apply? First Name (required) Last Name (required) Phone Number (required) Email (required) Resume (required) Accepted formats: PDF, DOC, DOCX, RTF, ODT, XML, DOT, PNG, GIF, JPG, JPEG, ZIP What is your current location? Please note we are unable to hire candidates based in Quebec at this time. (required) United States Canada (outside of Quebec) Location Preference (required) As a digital-first company, we are providing our employees with the opportunity to work remotely across the US and/or from one of our physical office locations. Please select from the list below your primary work location preference(s). Primary work location is defined as where you will spend more than 50% of your time working. Before making your selection(s), please check to make sure that the location is listed as an option in the job’s description above. Multiple selections can be made if multiple locations are available. Remote is considered a location. San Mateo, CA Columbus, OH Austin, TX Remote Do you need, or will you need in the future, any immigration-related support or sponsorship from the Company in order to begin or continue employment with the Company? This includes support (such as J-1, F-1 CPT letter or STEM OPT Training Plan), visa sponsorship for employment (H-1B, H-1B1, E-3, O-1, or TN), and any EAD holders that will need longer term employment authorization (temporary work visa or permanent residency). (required) No Yes Before applying, how familiar were you with Upstart? (required) I was already familiar with Upstart I had heard of Upstart, but didn’t know much I learned about Upstart through this job posting or from a recruiter Before applying, how did you hear about Upstart? (required) A recruiter contacted me (email) A recruiter contacted me (LinkedIn message) Referred by a current Upstart employee Referred by someone outside Upstart (friend or former coworker) LinkedIn job post LinkedIn company page Upstart careers website Upstart blog or content Indeed Built In Hired Another job site Instagram X (Twitter) TikTok YouTube News article or press coverage General online search I use Upstart as a customer or partner Other Have you been employed by Upstart before? (required) No Yes LinkedIn Profile Website Voluntary Self-Identification of Disability Form CC-305 Page 1 of 1 OMB Control Number 1250-0005 Expires 04/30/2026 Why are you being asked to complete this form? We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years. Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp. How do you know if you have a disability? A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to: Alcohol or other substance use disorder (not currently using drugs illegally) Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS Blind or low vision Cancer (past or present) Cardiovascular or heart disease Celiac disease Cerebral palsy Deaf or serious difficulty hearing Diabetes Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders Epilepsy or other seizure disorder Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome Intellectual or developmental disability Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD Missing limbs or partially missing limbs Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS) Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities Partial or complete paralysis (any cause) Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema Short stature (dwarfism) Traumatic brain injury Disability Status (required) I do not want to answer No, I do not have a disability and have not had one in the past Yes, I have a disability, or have had one in the past If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans' Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows: A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense. An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985. Veteran Status (required) I don't wish to answer I identify as one or more of the classifications of a protected veteran I am not a protected veteran Voluntary Self-Identification For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file. As set forth in Upstart’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law. Race (required) Decline To Self Identify Two or More Races Native Hawaiian or Other Pacific Islander White Hispanic or Latino Black or African American Asian American Indian or Alaskan Native Gender (required) Decline To Self Identify Female Male PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete. APPLY OUR STORY LEADERSHIP CAREERS PRESS CONTACT US STORE AFFILIATES INVESTOR RELATIONS YOUR PRIVACY CHOICES CALIFORNIA NOTICE COLLECTION HELP CENTER LEGAL PRIVACY POLICY ACCESSIBILITY LEARN PERSONAL LOANS CAR LOAN REFINANCE DEBT CONSOLIDATION UPSTART LOGIN Copyright © 2012 - 2026 Upstart Network, Inc. All rights reserved. 2950 S. Delaware Street, San Mateo, CA 94403 Please choose the location(s)

Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.

Analyst

159 days ago

Staff Data Analyst, Servicing

Upstart · United States

Pay

$157k–218k

Setting

Remote

Apply Sign in to favorite Permalink

CAREERS HOME OPEN ROLES BLOG ABOUT UPSTART CAREERS PROFILE Staff Data Analyst, Servicing Staff Data Analyst, Servicing R-7353 Data Analytics Group ADD TO FAVORITES VIEW FAVORITES 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 3,000 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 Servicing Analytics team plays a critical role of providing analytical capability for Upstart's servicing functions to enable data-driven decision making. We leverage our analytical and technical skills to support our partners with a multitude of services.. As the Staff Data Analyst on the Servicing Analytics team, you will play a pivotal role in influencing Upstart’s success. Partnering closely with our Servicing product management, operations, engineering, and ML teams, you’ll work directly with key stakeholders, helping drive understanding, insights, decision-making, and data infrastructure relating to the development, optimization, and enhancement of our recoveries and collections strategy. You’ll contribute to key areas such as identifying areas of opportunity via business reviews with leaders and product experiments, and driving operational efficiency. This role involves conducting in-depth analyses, building business intelligence pipelines, designing A/B tests, and collaborating with cross-functional teams to drive impacts. How you’ll make an impact Lead the development of analytical capabilities to support servicing initiatives and drive efficiency improvements.Create regular executive level presentations to communicate findings and strategic recommendations. Design experiments and conduct quantitative analysis to test hypotheses about our users and the way they interact with our servicing initiatives, and collaborate with partners to prioritize the right problems and opportunities. Collaborate with analytics engineering and software engineering to continuously up-level our servicing data capabilities, making new data available as the business expands, and accelerate time to insights. Develop and maintain business intelligence tools to support reporting and decision-making. Mentor junior team members while fostering a culture of excellence in data and analytics, positioning the team as a hub of expertise and innovation Minimum Qualifications 8+ years work experience in increasingly senior analytical roles in technology and finance industry Strong background in payments, product, or operations analytics, with hands-on proficient in SQL, Python and/or R Exceptional track record of deriving actionable insights from analysis and analytical storytelling Experience working with large datasets, unstructured data, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, Redshift, Tableau, Mode Degree in Economics, Statistics, Mathematics, Engineering, Data Science or other quantitative fields, providing a solid grounding in analytical and problem-solving skills essential for success Preferred Qualifications Strong analytical and quantitative background with experience in conducting and evaluating A/B tests, ideally in Financial and/or Operational related fields Expertise in consumer lending, and knowledge of post origination servicing and/or operations Skilled at crafting executive-ready narratives around complex business topics and successfully influence VP+ decision making Demonstrated ability to work collaboratively and in deep partnership with cross-functional teams Demonstrated ability to balance multiple workstreams and priorities; experience influencing up and cross functionally to maximize positive impact to the organization Experience in coaching and mentoring junior team members on technical subjects 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. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $157,000—$217,500 USD At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Canada | Remote - Anticipated Base Salary Range $140,300—$175,000 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy APPLY NOW! Content missing Similar Jobs Principal Credit Analyst Data Analyst, Home Lending Senior Collections Specialist Current Upstart employee? CLICK HERE Ready to Apply? Content missing OUR STORY LEADERSHIP CAREERS PRESS CONTACT US STORE AFFILIATES INVESTOR RELATIONS YOUR PRIVACY CHOICES CALIFORNIA NOTICE COLLECTION HELP CENTER LEGAL PRIVACY POLICY ACCESSIBILITY LEARN PERSONAL LOANS CAR LOAN REFINANCE DEBT CONSOLIDATION UPSTART LOGIN Copyright © 2012 - 2026 Upstart Network, Inc. All rights reserved. 2950 S. Delaware Street, San Mateo, CA 94403

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