Director, Credit Risk and Investor Analytics

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:

The Director, Credit Risk and Investor Analytics will lead the investor analytics function for our Atlanta vertical. This critical role involves overseeing the analysis, presentation, and storytelling of portfolio performance to both internal and external stakeholders. We seek a strategic thinker with deep analytical skills, exceptional written and oral communication, and a proven ability to translate data into compelling narratives. The Director will collaborate closely with cross-functional teams (Product, Investor Sales and Operations) and mentor junior members of the Credit Risk and Investor Analytics team.

What You'll Do:

• Lead the development and maintenance of comprehensive reporting frameworks to track key credit risk metrics and provide actionable insights to senior management and investors.
• Conduct rigorous hypothesis testing to understand the drivers of key credit risk metric movements.
• Present portfolio performance and risk assessments to existing and potential investors.
• Actively participate in the sales process for the Home Improvement product, from initial pitches to responding to due diligence inquiries.
• Provide timely and consistent responses to ad-hoc investor questions, establishing a framework for efficient and accurate communication.
• Develop deep expertise in internal and external data sources, ensuring data integrity and accuracy for risk analysis and reporting.
• Drive the documentation and communication of policy and procedural changes related to investor-facing materials.
• Mentor and develop a high-performing team of credit risk professionals.
• Represent the Atlanta vertical in cross-functional initiatives and executive-level presentations.

What We Look For:

• 7+ years of progressive experience in consumer credit risk management at a financial institution, with a demonstrated focus on merchant or small business lending (embedded finance experience preferred).
• Proven leadership experience with the ability to build and motivate high-performing teams.
• Deep understanding of credit risk principles, methodologies, and best practices.
• Strong analytical and problem-solving skills, with the ability to translate complex data into actionable insights.
• Advanced proficiency in SQL and Python.
• Excellent communication and presentation skills, with the ability to effectively convey complex information to both technical and non-technical audiences.
• Strategic thinker with the ability to develop and execute long-term risk management strategies.
• Collaborative and team-oriented approach, with the ability to build strong relationships across the organization.
• Experience with regulatory compliance related to credit risk management.

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

#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.