Senior Analyst/Manager, Credit Risk & 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:

We are seeking a Senior Analyst/Manager to join an innovative & fast-growing Credit Risk & Investor Analytics team within the Flex Pay vertical at Upgrade, a leading fintech company specializing in consumer finance. In this position, you will play a pivotal role in risk assessment of applicants and ensuring responsible lending practices. Your insights and recommendations will directly influence our ability to provide accessible and fair financial solutions to our customers.

What You’ll Do: 

• Design & implement strategies and analytical frameworks to evaluate applicant risk using various financial data sources/ proprietary scoring models and underwriting guidelines.
• Document and assist team in automating analytical frameworks and processes 
• Collaborate with other departments including Sales, Engineering, Product, Operations, Finance, and Legal to streamline processes and enhance customer experience.
• Monitor performance and profile at a merchant level to drive insights/decisions around merchant pricing and underwriting policy.

What We Look For:

• Bachelor’s degree in Finance, Economics, Business Administration, Statistics, Computer Science or a related field
• 2+ years of proven experience in Analytics domain in an at scale technology, start-up or high growth company, preferably in consumer lending or BNPL. 
• Working knowledge in SQL, Python, Tableau required. Comfortable working with Microsoft Office Suite.
• Strong analytical skills with the ability to interpret & visualize complex data and draw meaningful conclusions.
• Meticulous attention to detail in reviewing documentation and assessing credit risk.
• Knowledge and experience in statistical procedures, decision trees, and financial analysis tools 
• Excellent verbal and written communication skills to effectively convey credit decisions and recommendations.
• Ability to thrive in a fast-paced environment and manage multiple priorities effectively.

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 $130,000 - $160,000 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.

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.