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.


About the Role:

We are seeking a Supervisor, Commercial Underwriting  to help us scale our fastest growing vertical, Home Improvement financing. This is a smaller yet rapidly growing team that will be spread over two locations - Phoenix and Atlanta. This is an in-office position, location on-site in Phoenix, AZ.

What You'll Do:

  • Lead, develop and coach a group of 10-13 Home Improvement Specialists/Underwriters
  • Advocate for your team and champion their career development - inspire their greatness to help them achieve their goals
  • Be a reliable resource for those who join your team by showing them compassion and providing perspective and guidance on business decisions
  • Your success is dependent on the success of your team. Be a leader that motivates them to do their best through positive reinforcement, effective coaching, meaningful feedback, and a personal vested interest in their successes
  • Ensure the department exceeds goals through effective leadership and team engagement
  • Find ways to optimize the department to work more efficiently and better anticipate our customers' needs
  • Communicate any challenges or roadblocks that could impact team success with a focus on continuous improvement
  • Be able to wear multiple hats and assist with other areas of the business when needed
  • Work closely and develop productive relationships with our business partners across the greater Home Improvement and Operations groups

What We Look For:

  • 3-5+ years experience in commercial underwriting
  • BA/BS degree preferred
  • Specific experience in residential contractor, merchant, building underwriting preferred
  • Experience as a team leader
  • Oversee the team’s adherence to merchant underwriting policies and protocols for new business
  • Thought partnership of the continuing development of existing policies and protocols
  • Willingness to share ideas on the efficiency and effectiveness of the current underwriting processing flow 
  • Proactively find ways to support team members at all levels and verticals by being the subject matter expert
  • Ability to elevate an existing high performing work team and clearly defining and communicating  those success measurements
  • Operations (call center, loan processing, financial, tech, startup, etc.) experience in a financial services setting is preferred

Nice to Have:

  • Proficient with G Suite, knowledge of Genesys & Confluence a plus

What We Offer You: 

  • Great open office space
  • Paid time off (PTO)
  • 401K matching
  • Comprehensive benefits package: Medical, dental, vision, life insurance & disability
  • Conveniently located in the heart of Downtown Phoenix close to light rail and public transportation
  • Paid parking or platinum pass
  • New Hire Training Program
  • Wellness Incentive Program
  • Kitchen fully stocked with snacks and beverages


For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

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.

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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.

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