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.” #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 $75.58—$88.89 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