Senior Credit Analyst, Auto

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  3+ months of experience with Auto products  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  Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year 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. Columbus, OH - Anticipated Hourly Rate Range$25.48—$25.48 USDUpstart is a proud Equal Opportunity Employer.

Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Upstart is a 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 two-thirds of Upstart loans are approved instantly and are fully automated.

Upstart is a...