Data Analyst, Home Lending

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 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team:

Upstart’s Home Lending Legal, Regulatory, and Risk Management team plays a critical role in enabling the growth and stability of our Home Lending business. We work cross-functionally with Operations, Engineering, Product, Legal, Risk, and Compliance to ensure that Upstart’s home lending activities meet regulatory standards and align with best practices. Our team is focused on building scalable, effective, and forward-looking compliance oversight that empowers business success while managing risk.

The Data Analyst, Home Lending role will be critical in strengthening our first-line secured lending data, reporting, and risk oversight capabilities. The ideal candidate will own and support regulatory and management reporting across HMDA, CRA, Call Reporting, fair lending data, portfolio performance, and loan-level quality controls. They will help ensure our data pipelines, reconciliations, dashboards, and analytical packages are accurate, timely, and exam-ready, while partnering cross-functionally with compliance, risk, operations, and business teams in a highly regulated lending environment

How you’ll make an impact

Own first-line secured lending data and reporting support, including regulatory reporting inputs, data integrity, reconciliations, and timely loan-level reporting

Lead regulatory and risk reporting for home lending, including filing our HMDA LAR, mapping Call Report feeds, tracking CRA activity, and performing loan-level quality checks on data used for fair lending and compliance testing

Produce risk dashboards and management reporting across portfolio, channel, geography, delinquency, vintage, concentration, and product performance

Maintain core data pipelines, controls, and aggregation capabilities supporting reliable product- and portfolio-level reporting

Provide reporting for product risk oversight, including channel, underwriting, pricing, override, and exception reporting

Support exams, committees, and business continuity planning through data extracts, analytical packages, reporting materials, and recovery-planning inputs

Minimum Qualifications

5+ years of experience with data collection, reporting, or compliance reporting and monitoring.

Strong understanding of mortgage lending operations and regulatory data requirements.

Excellent analytical, organizational, and problem-solving skills.

Ability to work cross-functionally and manage deadlines in a highly regulated environment.

Proficiency with loan origination, compliance, or data reporting systems.

Preferred Qualifications

Prior experience preparing HMDA LAR, CRA data, and Call Report submissions.

Familiarity with fair lending, mortgage compliance, or consumer lending compliance.