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 $25 billion in affordable and responsible credit to our 2.7M 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 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

What You'll Do:

Work closely with members of the Risk team, to review and enhance Upgrade's underwriting practice (strategy, credit policy, and model use) to achieve results within Upgrade's credit risk tolerance
Develop data driven strategies to segment Upgrade’s merchant’s base and test strategies to improve profitability within those segments, working closely with Sales to implement
Analyze and update merchant underwriting and merchant management policies, working with Operations to implement Upgrade's merchant base
Monitor loan performance through hands-on analysis
Develop periodic reporting templates and requirements
Obtain subject matter expertise in internal and external data sources and ensure data integrity
Document policy and procedural changes.

What We Look For:

2-3 years in consumer credit risk role at a financial institution (experience with embedded finance preferred)
Bachelor's degree
Innately curious, constantly asking questions and seeking answers through data exploration
Proven ability to solve white space problems
Advanced knowledge of SQL, Python, or R
Detail oriented and strong analytic skill set
Good communicator with the ability to discuss / present complex issues in a simple manner
Proactive, driven, and able to work in a fast-paced environment
Team player

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

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.

Senior Analyst, Credit Risk

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Upgrade is dedicated to building a diverse team and an inclusive culture. We believe that it’s crucial to Upgrade’s long-term success to create an environment where all employees feel like they belong and have an equal opportunity to succeed.