About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026).
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team:
Upstart’s Auto Onboarding team is responsible for reviewing applications for Auto-Refinancing loans, Auto Retail Indirect loans, and Auto-secured Personal Loans. These products are all expanding and dedicated agents will ensure the success of these programs as we grow.
As a Senior Credit Analyst at Upstart, you will be responsible for reviewing applications in a timely manner and with strict adherence to established policies and procedures. You will also be responsible for communicating with customers and business partners as needs arise. Your feedback and insights to the customer experience will be vital for improving our products and internal tools with an eye towards automation and growth.
How you’ll make an impact
- Flexibly alternate between significant core work responsibilities (application review) and slack coverage
- Act as the first-line responder for FCR/CE/CA questions
- Stay up to date on policy changes or program improvements
- Detect abnormalities and bugs by analyzing incoming documents, cases, and dashboards
- Use critical thinking and good judgment in ambiguous situations
Minimum Qualifications
- Must have 3+ months of experience with Upstart Auto products or 9+ months of experience with Upstart Onboarding
- Demonstrate and maintain high quality in core work and actively help others reach their own goals. In particular, you must have a 90% or greater 4-week rolling average productivity score and a 95% or greater 8-week rolling average quality score.
- Demonstrate integrity, ethics, and Upstart values at all times; sets an excellent example for colleagues
- Demonstrate patience alongside efficiency; can triage and prioritize responsibilities, takes ownership, and drives problems to resolution
- Able to make judgment calls amid ambiguity and understand the cross-functional impact of decisions
Preferred Qualifications
- Demonstrate deep knowledge of Operations procedures and processes, especially with regard to the auto products
- Proactively seek ways to make Operations better on a day-to-day basis
Position location This role is available in the following locations: Columbus, OH
Time zone requirements The team operates on the East coast time zones.
In-Office requirements. You will be required to work from the Columbus office 2 days per week.
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 but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
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