Director, Fair Lending Program

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 $33 billion in affordable and responsible credit to our 5.5M 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 1850 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 seeking a Director to lead and manage our Fair Lending Compliance Program. In this role, you will oversee and enhance our internal fair lending initiatives while also providing vital support to our external financial institution partners. This will be a hybrid role expected to be in our San Francisco office on Tuesdays and Thursdays.

What You’ll Do: 

• Ensure compliance with applicable fair lending laws, regulations, guidance and bank partner requirements
• Develop and maintain Upgrade’s fair lending program, including standards for model reviews, new product and feature approvals, and ongoing fair lending analysis
• Provide subject matter experience and support on fair lending matters to other stakeholders 
• Coordinate with Credit Risk, Decision Sciences, Legal and other internal stakeholders on fair lending matters
• Support data analytics team in developing fair lending-related analyses and data files
• Represent Upgrade on key regulatory, audit, and bank partner issues as needed

What We Look For:

• 8+ years of consumer financial services compliance experience, including experience with direct and indirect lending, secured and unsecured credit products, and/or lending models that source applicants through online lead generation
• Expertise in compliance laws and regulations related to fair lending, UDAAP and other application consumer financial services regulations 
• Effective negotiation skills, a proactive and “no surprises” approach in communicating issues, and strength in sustaining independent views
• Ability to execute in a fast-paced, technology-driven environment
• Excellent verbal and written communication skills and the ability to effectively shift communication styles based on audience
• Solid project management, critical thinking and analytical skills
• Highly organized and detail-oriented

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 USD $170,000 - $220,000 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.

#BI-Hybrid  #LI-Hybrid 

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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.