Senior Manager, Risk Analytics

The Team: 

Upstart’s Risk team is hiring to enhance its second line of defense function in support of its application to establish a national bank. The Risk team is responsible for Upstart’s enterprise risk management program and risk governance, as well as for providing independent oversight and credible challenge across the following risk categories: operational risk, treasury risk (including liquidity risk, interest rate risk, price risk, and capital management), and operational risk. We partner with first-line business functions, senior and executive leadership, and the board of directors to ensure effective identification and assessment, measurement, monitoring and reporting, and response and control for all core risk types and in alignment with regulatory expectations. 

Upstart is hiring a Senior Manager, Risk Analytics to build and own the Risk teams’ risk data and analytics program, including the Key Risk Indicator (KRI) program and framework and quantitative risk reporting infrastructure. This role will work with first-line risk owners and second-line risk subject matter experts to: design and develop robust and scalable risk data models to empower the Risk team to retrieve meaningful insights; establish key risk indicators (KRIs) for all risk categories; implement centralized aggregation, monitoring, and reporting of those KRIs; and enforce a consistent methodology for risk metric measurement, threshold setting and monitoring, and breach escalation protocol and response framework. Additionally, this role will provide risk data support to all second-line risk teams, and will be a key standard setter for cross-team GRC tool usage. By establishing and running a centralized, quantitative risk monitoring program for Upstart Bank, this role is a key component of the overall ERM program, and will be a partner to senior first-line risk owners and second-line risk experts across all domains, as well as a liaison to external stakeholders such as examiners and auditors on the risk metrics program. 

How you’ll make an impact

• Understand how data is produced and consumed at a deep level in order to design risk data pipelines and models and build curated data sets to support enterprise-wide risk monitoring and reporting
• Own and manage the KRI program, collaborating with first-line risk owners and second-line risk domain SMEs to design, track, and report on risk metrics across all risk types and business activities
• Build and maintain risk reporting infrastructure, including dynamic dashboards, snapshot reporting, and risk data infrastructure and aggregation capabilities using existing company data sets and tools (e.g., Looker, Jira, Mode)
• Meet consumers of risk data where they are by wearing an educator’s hat and training them on risk dashboards and tools
• Provide data and analytical support for enterprise risk assessments, management and board reporting, exam and audit requests, and ad hoc risk data requests
• Partner with leaders in Risk to translate risk program requirements into scalable, repeatable data and reporting solutions
• Support the setup, maintenance, and administration of the GRC tool for all Risk teams by defining cross-team 

Minimum Qualifications 

• Bachelor's degree or equivalent practical experience
• 7+ years of experience in risk analytics, or a related quantitative function in a banking or financial services environment
• Strong understanding of data modeling concepts in both transactional and analytical databases
• Demonstrated experience with risk data aggregation, KRI design and monitoring, or risk reporting infrastructure
• Expertise in SQL, Python and ETL optimization techniques; as well as data tools such as Looker, Mode, or comparable BI/analytics platforms

Preferred Qualifications

• Experience in a bank or OCC-regulated institution, particularly building risk monitoring programs in advance of regulatory examination
• Familiarity with OCC or Federal Reserve expectations for enterprise risk reporting and KRI frameworks
• Knowledge of quantitative risk measurement techniques such as scenario analysis or risk scoring methodologies
• Experience building automated data pipelines or dashboards for regulatory or executive reporting
• Experience implementing or managing a bank-grade GRC tool
• Strong project management skills with a track record of independently driving programs from design to implementation

Position location This role is available in the following locations: Remote, San Mateo, CA, and Columbus, OH

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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