Senior Manager, Risk Analytics

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.

The Team

Upstart’s Risk team is hiring to enhance its second line of defense function in support of its application to establish a national bank. The Risk team is responsible for Upstart’s enterprise risk management program and risk governance, as well as for providing independent oversight and credible challenge across operational risk, treasury risk (including liquidity risk, interest rate risk, price risk, and capital management), and operational risk.

Senior Manager, Risk Analytics

This role will build and own the Risk teams’ risk data and analytics program, including the Key Risk Indicator (KRI) program and framework and quantitative risk reporting infrastructure. Responsibilities include:

• Design and develop robust and scalable risk data models to empower the Risk team to retrieve meaningful insights
• Establish key risk indicators (KRIs) for all risk categories
• Implement centralized aggregation, monitoring, and reporting of those KRIs
• Enforce a consistent methodology for risk metric measurement, threshold setting and monitoring, and breach escalation protocol and response framework
• Provide risk data support to all second-line risk teams
• Be a key standard setter for cross-team GRC tool usage
• Establish and run a centralized, quantitative risk monitoring program for Upstart Bank
• Partner with senior first-line risk owners and second-line risk experts across all domains
• Serve as a liaison to external stakeholders such as examiners and auditors on the risk metrics program

How you’ll make an impact

• Understand how data is produced and consumed at a deep level in order to design risk data pipelines and models and build curated data sets to support enterprise-wide risk monitoring and reporting