Analyst, Loan Salability & First-Line Model Governance
UpstartAI Lending company
United States$115,800 - $160,100 USDMid
Operations & Strategy
About the role
TL;DR
Analyze loan salability and model performance for secured lending products.
- •This role supports the day-to-day execution of loan salability and first-line model governance by conducting loan-level reviews, organizing data, maintaining tracking tools, documenting findings, and preparing reporting.
- •You will work closely with Credit Risk, Capital Markets, Model Risk Management, and other secured lending partners.
- •Key Responsibilities Execute loan-level quality reviews across secured lending originations.
- •Analyze portfolio performance data, including early payment defaults and delinquency trends.
- •Maintain recurring asset quality and salability risk reporting packages.
- •Track and analyze first-line model performance, flagging potential degradation.
- •Assemble evidence packages for bank partner reviews and regulatory examinations.
- •Requirements 3+ years of experience in financial services, credit operations, quality control, risk management, or a related analytical function.
- •Experience applying review criteria to loan-level data or credit files.
- •Experience analyzing portfolio performance or credit policy exceptions.
- •Proficiency in Excel, Google Sheets, or SQL for data analysis.
- •Experience documenting findings and review results for stakeholders.
Required skills
SQLExcelRisk Management
Domain expertise
fintech
Benefits & perks
Bonus opportunities, Equity compensation, 401(k) with company match, Employee Stock Purchase Plan (ESPP), Medical insurance, Dental insurance, Vision insurance, Wellness resources, Health Savings Account contributions, Life insurance, Disability coverage, Paid time off, Sick leave, Company holidays, Paid family and parental leave, Fertility support, Parenthood support, Caregiving support, Employee Assistance Program (EAP), Financial wellness resources, Annual wellness allowance, Annual productivity allowance, Team events, All-company updates, Employee resource groups (ERGs), Onsite perks (catered lunches, micro-kitchens)
Tech stack
ExcelSQL