Director, Strategic Finance

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:

We are looking for a highly analytical and strategic Director of Strategic Finance to drive profitability, operational efficiency and enhance reporting for one of our growing business lines  [e.g.,Direct to Consumer or Merchant.]. Reporting to the VP of Finance, this role is a critical business partner responsible for providing financial insights and strategic guidance to executive leadership. The ideal candidate will have a strong background in financial services, deep knowledge of scaling businesses, and experience driving profitability in dynamic environments.

This role will be based in our San Francisco office 2-3x per week.

What You’ll Do: 

• Develop and maintain accurate, timely, and insightful financial reports for executive leadership and stakeholders.
• Establish and enhance reporting frameworks to track key financial metrics and business performance.
• Lead initiatives to analyze profitability and identify areas of opportunity.
• Partner with FP&A to deliver financial planning, forecasting, and reporting for [business line].
• Provide data-driven insights and recommendations to influence business strategy and decision-making.
• Own the monthly/quarterly forecast process, ensuring alignment with corporate goals.
• Monitor performance against budget, identify trends, and recommend actions to achieve targets.
• Partner with business leaders to evaluate opportunities, pricing strategies, and cost management initiatives.
• Collaborate with cross-functional teams to support product launches, market expansion, and operational scaling.
• Develop and present detailed financial models, dashboards, and KPIs to measure performance.
• Conduct scenario analyses and sensitivity tests to evaluate potential risks and opportunities.

What We Look For:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field. MBA or CFA designation preferred.
• Previous experience developing models and reporting with Pigment
• 7+ years in Corporate Finance, FP&A, strategic finance, or a related field
• Experience in high-growth companies, preferably in fintech, consumer tech, or B2C product companies.
• Previous experience in pre-IPO or public companies is highly desirable.

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 $200k-$215k 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.

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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.