Data Analyst, Home Lending
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Job Description
Data Analyst strengthening home-lending compliance reporting for Upstart’s AI lending marketplace. Owning HMDA, CRA, Call Report, risk dashboard, and loan-level data quality processes.
Responsibilities:
- 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 HMDA LAR, mapping Call Report feeds, tracking CRA activity, and performing loan-level quality checks 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 product- and portfolio-level reporting
- Provide product risk oversight reporting covering channel, underwriting, pricing, overrides, and exceptions
- Support exams, committees, and business continuity planning through data extracts, analytical packages, reporting materials, and recovery-planning inputs
- Partner cross-functionally with compliance, risk, operations, engineering, product, legal, and business teams
Requirements:
- 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
- Prior experience preparing HMDA LAR, CRA data, and Call Report submissions preferred
- Familiarity with fair lending, mortgage compliance, or consumer lending compliance preferred
- Experience supporting regulatory exams, audits, or compliance testing preferred
Benefits:
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Retirement benefits including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Comprehensive health coverage including medical, dental, vision, and wellness resources
- Health Savings Account contributions for eligible plans (US only)
- Life insurance and disability coverage
- Paid time off, sick leave, and company holidays
- Paid family and parental leave
- Family-centered fertility, parenthood, and caregiving benefits
- Employee Assistance Program (EAP) with mental health support and life-centered resources
- Financial wellness resources, including financial planning tools and a financial concierge service (US only)
- Annual wellness allowance
- Annual productivity allowance for relevant tools and resources
- Team events, all-company updates, and employee resource groups (ERGs)
- Onsite perks including catered lunches and fully stocked micro-kitchens at company offices
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