Data Analyst, Home Lending

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
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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.
• Experience supporting regulatory exams, audits, or compliance testing.

Position location This role is available in the following locations: Remote 

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.

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