Senior Pricing Analyst

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.

 

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About the Role:

 

Upgrade is seeking a highly analytical, detail-oriented, and organized Senior Pricing Analyst to join our growing team. This role will play a crucial part in supporting the profitability and growth of our Buy Now, Pay Later (BNPL) offerings. You'll be responsible for developing, maintaining, and analyzing pricing models and plans, ensuring the accuracy and effectiveness of our pricing structures, generating insightful reports, and meticulously managing various pricing initiatives for our BNPL products (Flex Pay). This is an exciting opportunity to make a significant impact in a fast-paced and innovative environment.

 

This is a hybrid role based in either San Francisco, CA or New York, NY.

 

What You’ll Do: 

• Develop and refine pricing models: Build, maintain, and enhance sophisticated pricing models for Upgrade's BNPL products (Flex Pay), incorporating statistical analysis, financial projections, and credit risk considerations.
• Analyze pricing performance: Conduct in-depth analysis of key pricing metrics for our BNPL offerings (Flex Pay), identifying trends, opportunities, and areas for optimization.
• Generate comprehensive reports: Prepare detailed and accurate reports on BNPL (Flex Pay) pricing performance, competitive landscape, and market trends. Present findings clearly and concisely to stakeholders, enabling data-driven decisions.
• Manage pricing plans: Take ownership of the thorough management of multiple pricing plans for our BNPL products (Flex Pay), ensuring accuracy, consistency, and compliance across various product offerings and partnerships.
• Support pricing strategy implementation: Assist in the implementation of new pricing strategies and adjustments for our BNPL offerings (Flex Pay), ensuring seamless execution and proper configuration in our systems.
• Ensure data integrity and accuracy: Ensure the integrity, accuracy, and reliability of pricing data used for analysis and reporting. Proactively identify and resolve data discrepancies.
• Collaborate cross-functionally and influence outcomes: Work closely with Product, Credit Risk, Sales, Marketing, and Engineering teams. Your strong people skills and ability to build relationships will be key to understanding business requirements, providing pricing insights, and effectively influencing strategic initiatives.
• Stay informed on market dynamics: Research industry trends, competitor BNPL pricing strategies, and relevant regulatory changes to inform pricing recommendations.
• Contribute to process improvement: Identify opportunities to enhance pricing processes and tools, contributing to greater efficiency and accuracy within the pricing function.

What We Look For:

• 4-5 years of experience in a highly analytical role, such as pricing analysis, financial analysis, business intelligence, or quantitative analysis.
• Experience modeling financial or lending products is required.
• Experience in the financial services industry is required, with a strong preference for experience in fintech or specifically BNPL.
• Demonstrated strong modeling skills: Proficient in building and manipulating complex financial and analytical models using tools like Excel.
• Excellent reporting skills: Ability to transform raw data into clear, concise, and actionable reports and presentations for various audiences.
• Highly organized and detail-oriented: Proven ability to manage multiple projects simultaneously, prioritize tasks effectively, and maintain meticulous attention to detail in a dynamic environment.
• Strong analytical and quantitative skills with the ability to work with large datasets, identify patterns, and derive actionable insights.
• Exceptional communication and interpersonal skills: You'll be interacting with many different teams, so your ability to clearly articulate complex ideas and build consensus is vital.
• Solid understanding of consumer lending products and the BNPL landscape.
• Bachelor's degree in Finance, Economics, Mathematics, Statistics, Engineering, or a related quantitative field.

Nice to Have:

• Proficiency in SQL for data extraction and manipulation.
• Experience with data visualization tools (e.g., Tableau, Power BI).
• Knowledge of credit risk concepts and their application in pricing.
• Familiarity with regulatory requirements impacting BNPL or consumer lending.

 

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 and New York, NY is USD $95,000-$110,000 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

 

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.