Senior Analyst, Credit Card Strategy & Analytics

| San Francisco, CA, USA
Employer Provided Salary: 120,000-140,000 Annually
Salary data is provided by the employer. Please note this is not a guarantee of compensation.
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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:

We're looking for a Senior Analyst in Upgrade Card to manage Credit Strategy & Analytics. In this role, you will partner with Upgrade Card's acquisition & portfolio management strategy to review and enhance Upgrade Card's strategy that can deliver target investor yields. Please note that this is a hybrid role based in our downtown San Francisco office, with onsite work on Tuesdays and Thursdays.


What You'll Do:

  • Work closely with Upgrade Card’s Acquisition or Portfolio management team to review and enhance Upgrade Card's credit strategy using machine learning and predictive modeling.
  • Build a deep understanding of Upgrade Card’s business strategy, customers, investors and partners.
  • Develop and manage periodic insights & analytics templates to executive management, and Upgrade Investor teams.
  • Develop templates and KPI that measures lifetime value of Upgrade’s customer.
  • Monitor various A/B tests to understand sensitivity around line and pricing, and make recommendations based on the findings.
  • Collaborate with Product, Engineering and BI to find opportunities in improving current KPIs and tracking to optimize funnel and customer experience.
  • Utilize advanced statistical techniques, and predictive modeling to analyze large datasets and develop credit risk strategies and influence portfolio management decisions.
  • Ability to think critically and creatively to solve complex problems and address challenges in credit strategy and analytics.


What We Look For:

  • 2-5 years of work experience in Analytics, Data Modeling, and Data Provisioning (acquisition from various sources, transformation and sharing) role.
  • Bachelor's/Master’s degree in Statistics, Mathematical Finance, Economics, Business Analytics or related quantitative or interdisciplinary field.
  • Advanced experience in SQL.
  • Hands-on experience with Python or R.
  • Interested in learning LLM, GenAI tools.
  • Basic knowledge and interest in the data science domain.
  • An assertive and motivated leader capable of identifying new opportunities, spearheading projects, navigating uncertainty, and devising inventive solutions with minimal direction.
  • Excellent communicator with the ability to discuss / present complex issues in a simple manner.
  • Proactive, driven, and ability to work in a fast-paced environment.


Nice to Have:

  • Experience with Tableau and/or other BI/data visualization tools is a plus.

 

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

 

The compensation range of this position in San Francisco, CA is $120,000 - $140,000 USD annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

 

#BI-Hybrid #LI-Hybrid

Notice to California-based Candidates for Employment. This California Candidate Privacy Notice is intended to provide information about how Upgrade collects and uses personal information to California consumers who apply for employment with Upgrade If you are employed by Upgrade, refer to the Employee Handbook for additional information. For any questions about this notice, please contact [email protected].Personal Information Upgrade Collects:Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin. Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information. Any other information you provide as a part of  recruitment, job application, or interview process. Purposes for Collecting Personal Information:To consider qualifications, skills, and interest for employment. To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment. To provide compensation, including payroll, and  administer stock options and benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To improve recruitment and interview processes and  ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.

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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