Credit & Capital Risk Management Associate

Full-time - Entry Level

About the position

As the Credit & Capital Risk Management Associate at Upstart, you will support key risk management initiatives for Upstart’s loan portfolios and co-investment structures. In this role, you will analyze and interpret complex credit underwriting and performance drivers within our AI-based lending models. Your insights will shape our risk management strategies and investor narratives in a highly dynamic and evolving market.

Responsibilities

• Assist in monitoring and managing credit risks across Upstart’s loan portfolios and investment structures.
• Conduct data-driven analysis to assess credit performance trends and underwriting dynamics.
• Support the development of investor-facing credit narratives and advocacy on AI-based credit underwriting models.
• Collaborate cross-functionally with capital markets, analytics and finance teams to enhance risk assessment frameworks.
• Support internal and external reporting requirements on our risk capital or co-investment structures.

Requirements

• Bachelor’s degree in Finance, Economics or a related field.
• 2-5 years of experience in credit risk, capital markets, structured finance, or a related area.
• Strong analytical skills with ability to manage complex cashflow models.
• Excellent communication skills, with the ability to translate complex analyses into clear insights.

Nice-to-haves

• Proven success in working in a fast-paced, dynamic environment.
• Familiarity with AI-based underwriting models is a plus.
• Experience working with large datasets (SQL, Python, or VBA).

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• 401k
• Target bonuses
• Equity compensation