Senior Analyst, Credit Risk Management
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:
Upgrade is looking for a Senior Analyst to to join our Risk & Investor Analytics team. In this role, you will be working with our Credit Risk team to review and enhance Upgrade's underwriting practice. This is a hybrid role in our San Francisco office (2-3 times per week) and reporting to our Senior Director of Credit Risk.
What You'll Do:
- Work closely with Credit Risk team to review and enhance Upgrade's underwriting practice (strategy, credit policy, and model use) to deliver investor target yields.
- Monitor credit profile and return/risk performance across products (Personal Loans, Card, Auto, Home Improvement, Travel BNPL) and communicate insights.
- Back-test credit strategies using historical performance and review impact of credit expansion/tightening.
- Develop loss forecasts to reflect credit policy and/or segmentation changes.
- Support periodic reporting to executive management, Credit Risk Committee and Upgrade Investor Team.
- Obtain subject matter expertise in internal and external data sources and ensure data integrity.
- Collaborate with Investor team to support external investor communication on product, segment, and credit policy changes.
What We Look For:
- 2-5 years of experience in analytics, preferably consumer credit risk
- Bachelor's/Master’s degree in Data Analytics, Mathematical Finance, Economics, or a related quantitative field
- Strong programming skills in Python and/or R
- Advanced experience in SQL
- Experience with Tableau or other BI/data visualization tools
- Detail oriented and strong analytical skill set
- Proactive, driven, and ability to work in a fast-paced environment
- Fintech lender experience preferred
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 $100,000 - $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
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.
