Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.
We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.
We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.
About the Role:
We are seeking a Senior Analyst, Investor Credit to join our Investor team. In this role, you will be a key analytical resource collaborating with our Credit team to track credit profiles and loan performance across our multi-product consumer lending platform. A crucial aspect of this position involves detailed analysis of loan performance that helps present the impact of key credit strategies and policy changes to senior leadership and investors. We are looking for a highly analytical person who is comfortable in an independent contributor role and familiar with consumer lending and credit analysis. The ideal candidate will have experience as an analyst in a credit risk or capital markets function. This position is based in our San Francisco office in a hybrid capacity, specifically on Tuesdays, Wednesdays, and Thursdays.
What You’ll Do:
- Track and measure loan performance metrics including delinquencies, losses, prepayments and IRR across multiple consumer lending products including personal loans, home improvement loans, indirect auto loans, credit cards and BNPL
- Develop and manage performance reporting for executive management, and Upgrade Investor teams.
- Partner with Investor teams and support performance reporting & ad-hoc analysis
- Review credit policy changes to evaluate projected impact to volumes and performance
- Investigate trends to determine causal factors
- Work with Product and Operations teams on changes that impact loan performance
What We Look For:
- Bachelor's degree in Statistics, Economics, Operations Research, Mathematics, Computer Science, Engineering or related quantitative discipline; advanced degree preferred
- 2+ years of consumer lending industry experience, preferably with a fintech originator or loan buyer
- Expert knowledge of SQL and R/Python required
- Tableau developer experience preferred
- Strong data-manipulation and data visualization skills
- Proactive, driven, and ability to work in a fast-paced environment
- Detail oriented, clear communicator and strong analytical skill set
What We Offer You:
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Competitive 401(k) and RRSP program
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
The compensation range of this position in San Francisco, CA is USD $110,000 - $130,000 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
#LI-Hybrid
For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.
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.
Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.
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Upgrade, Inc. San Francisco, California, USA Office
275 Battery, San Francisco, CA, United States, 94111
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