Regional Credit Manager

| United States | Remote
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Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $25 billion in affordable and responsible credit to our 2.7M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.


About the Role:

The Regional Credit Manager will oversee and manage the Credit Department's indirect lending for franchised and independent automobile dealerships while collaborating with Regional Sales Managers to educate the Sales Representatives on credit to promote and deliver a consultative solution and offering to key dealership decision makers on the features, attributes, and benefits of UAF loan programs. They'll keep Sales Representatives informed of market knowledge, dealer issues, and communication of market conditions to the Originations staff and management team.


What You’ll Do:  

  • Problem Solving: Identifies and resolves problems in a timely manner; gathers and  analyzes information skillfully; develops alternative solutions; works well in group problem  solving situations; uses reason even when dealing with emotional topics.  
  • Planning/Organizing: Prioritizes and plans work activities; uses time efficiently; plans for  additional resources; sets goals and objectives; organizes or schedules other people and  their tasks; develops realistic action plans.  
  • Quality Management: Looks for ways to improve and promote quality; demonstrates  accuracy and thoroughness.  
  • Business Acumen: Understands business implications of decisions; displays orientation  to profitability; demonstrates knowledge of market and competition; aligns work with  strategic goals.  


What We Look For: 

  • Professionalism: Approaches others in a tactful manner; reacts well under pressure; treats  others with respect and consideration regardless of their status or position; accepts  responsibility for own actions; follows through on commitments.  
  • Oral Communication: Speaks clearly and persuasively in positive or negative situations;  listens and gets clarification; responds well to questions; demonstrates group presentation  skills; participates in meetings.  
  • Visionary Leadership: Displays passion and optimism; inspires respect and trust; mobilizes others to fulfill their vision; provides vision and inspiration to peers and subordinates.
  • Leadership: Exhibits confidence in self and others; inspires and motivates others to perform well; effectively influences actions and opinions of others; inspires respect and trust; accepts  feedback from others; provides vision and inspiration to peers and subordinates; gives appropriate recognition to others; displays passion and optimism; mobilizes others to fulfill the vision.  
  • Motivation: Sets and achieves challenging goals; demonstrates persistence and overcomes  obstacles; measures self against standard of excellence; takes calculated risks to accomplish  goals.  
  • Written Communication: Writes clearly and informatively; edits work for spelling and grammar;  varies writing style to meet needs; presents numerical data effectively; able to read and interpret written information. 


What We Offer You: 

  • Competitive salary and stock option plan
  • 100% paid coverage of medical, dental and vision insurance 
  • Flexible PTO
  • Opportunities for professional growth and development 
  • Paid parental leave
  • Health & wellness initiatives

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
  • People Operations
    • Apache GroovyLanguages
    • GolangLanguages
    • JavaLanguages
    • PythonLanguages
    • ScalaLanguages
    • SqlLanguages
    • ReactLibraries
    • ReduxLibraries
    • DockerFrameworks
    • GraphQLFrameworks
    • KafkaFrameworks
    • KubernetesFrameworks
    • Node.jsFrameworks
    • OAuthFrameworks
    • SpringFrameworks
    • TerraformFrameworks
    • AWS RedshiftDatabases
    • DynamoDBDatabases
    • ElasticsearchDatabases
    • PostgreSQLDatabases
    • AWSDatabases
    • AWS (Amazon Web Services)Services
    • TableauAnalytics
    • FigmaDesign
    • IllustratorDesign
    • InVisionDesign
    • PhotoshopDesign
    • UserlyticsDesign
    • ConfluenceManagement
    • Google DriveManagement
    • Google DocsManagement
    • Google SlidesManagement
    • JIRAManagement
    • HubSpotCRM
    • ZoomInfoLead Gen
    • Google HangoutsCollaboration
    • SlackCollaboration

Location

275 Battery Street, San Francisco, CA 94111

An Insider's view of Upgrade, Inc.

How do you collaborate with other teams in the company?

I'm surrounded by so many smart, humble and passionate people, where I can learn and grow from everyday. With culture where everyone’s voice is valued and heard, this makes for a very collaborative and thriving workplace where you can grow. It is very empowering and it truly feels like we can achieve anything we, as a team, set our minds toward.

Nelson Lobo

Software Engineer

What are some things you learned at the company?

Since I started at Upgrade, I have been exposed to new technologies for test automation, infrastructure and code coverage, to name a few. I had some challenges in making our test framework more efficient and faster. This is another aspect of Upgrade that I love: there are always different projects to work on which means new learning opportunities.

Seti Momayez

QA Developer

What are Upgrade, Inc. Perks + Benefits

Culture
Volunteer in local community
Partners with nonprofits
Open door policy
Team based strategic planning
Open office floor plan
Employee resource groups
Employee-led culture committees
Hybrid work model
In-person all-hands meetings
Flexible work schedule
Remote work program
Diversity
Dedicated diversity and inclusion staff
Diversity employee resource groups
Health Insurance + Wellness
Disability insurance
Dental insurance
Vision insurance
Health insurance
Life insurance
Wellness programs
Mental health benefits
Abortion travel benefits
Financial & Retirement
401(K)
401(K) matching
Upgrade offers up to 4% match after 90 days of employment.
Company equity
Charitable contribution matching
Child Care & Parental Leave
Generous parental leave
Family medical leave
Vacation + Time Off
Generous PTO
Paid holidays
Paid sick days
Flexible time off
Bereavement leave benefits
Hardship benefits
Office Perks
Company-sponsored outings
Free snacks and drinks
Some meals provided
Company-sponsored happy hours
Relocation assistance
Fitness stipend
Professional Development
Job training & conferences
Lunch and learns
Promote from within
Mentorship program
Continuing education stipend

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