Analyst, Loan Salability & First-Line Model Governance - remote job

Upstart is hiring a Analyst, Loan Salability & First-Line Model Governance. The role sits in Other jobs and is fully remote. The company places no restriction on where the candidate lives, so you can apply from anywhere.

The employer did not publish a figure; that is settled at interview. The advert sets no condition on working hours.

This vacancy passed an automated check: the list excludes any advert requiring a foreign work permit, visa sponsorship, a particular citizenship, or residence in a specific country.

Headquarters: United States | Remote

About Upstart

At Upstart, our mission is to dramatically reduce the financial barriers and complexities that Americans face when borrowing. Each day, we blend innovation, exploration, and advanced AI to transform credit access, empowering millions to advance financially with clarity and confidence.

As a leading AI lending platform, we collaborate with banks and credit unions to enhance accessible and affordable credit through technology that is both profoundly intelligent and deeply human. Our system processes over one million predictions per borrower using more than 3,000 data points, driving smarter, more equitable decisions for millions of customers. Yet, the numbers only begin to capture the impact. Every insight, every perspective, and every contribution brings us closer to a world where credit is never a barrier to financial progress.

We embrace a digital-first approach, offering most Upstart employees the flexibility to work from wherever they feel most productive, alongside colleagues in over 80 cities across the United States and Canada. Digital-first doesn’t mean detached; we prioritize in-person connections through team gatherings, planning sessions, and activities that foster creativity and trust. Whether you prefer working primarily from home or collaborating in one of our offices in Columbus, Austin, the Bay Area, or New York City (opening summer 2026), you'll find the support you need to thrive in your preferred work environment.

If you're inspired by tackling significant challenges, eager to innovate with purpose, and driven by work that truly matters, we'd love to hear from you.

The Team

Upstart’s Secured Lending team is crafting the risk and control infrastructure that will support the next phase of growth across home equity lines of credit, auto direct, and auto indirect dealer products. The team ensures that secured lending products operate with clear governance, robust controls, high-quality execution, and readiness for bank partner and regulatory scrutiny.

Loan Salability & First-Line Model Governance oversees portfolio-wide trends across loan salability, asset quality, and model performance. The team monitors results against investor and bank partner thresholds, interprets model execution patterns across secured lending channels, and addresses systemic issues before they escalate into repurchase events, partner concerns, or regulatory issues.

As an Analyst in Loan Salability & First-Line Model Governance at Upstart, you will support the day-to-day operations 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

* Conduct in-depth loan-level quality reviews across secured lending origination, assessing documentation completeness, underwriting accuracy, eligibility adherence, collateral quality, and other salability criteria.

* Retrieve, 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 retrieval, analysis, formatting, and quality checks.

* Track first-line model performance - maintain production model tracking tools, document override and exception trends, monitor version changes, and independently identify patterns indicating performance degradation or out-of-bounds behavior for escalation.

* Maintain issue logs, defect trackers, remediation updates, and documentation libraries to ensure records are current, organized, and ready for bank partner or regulatory review.

* Drive governance and exam readiness deliverables - independently assemble evidence packages, populate reporting templates, and coordinate 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.

* Proficiency in Excel, Google Sheets, SQL, business intelligence tools, reporting tools, or similar systems to organize, analyze, and quality-check structured data.

* Ability to document 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.

* Familiarity with 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. While the majority of our employees can live and work anywhere in the U.S., we encourage regular in-person collaboration through team gatherings. The frequency of these in-person sessions varies depending on the team and role, typically meeting once or twice per quarter for 2-4 consecutive days.

#LI-REMOTE

#LI-Associate

At Upstart, your base pay is one component of your overall compensation package. The anticipated base salary for this position is expected to be within the following range: $115,800 - $160,100 USD. Your actual base pay will depend on your geographic location, considering our "digital first" philosophy and varying compensation regions based on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter will provide more details 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.