Senior Analyst, Credit Risk

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 – Credit Risk for Personal Loans to join our team. In this role, you will be a key analytical resource, partnering with leaders to help develop robust, data-driven credit risk strategies and comprehensive performance analytics framework to monitor portfolio. A crucial aspect of this position involves developing analytics that helps present the performance of loan portfolio and impact of key credit strategies to senior leadership and Investors.

We are looking for a highly analytical and curious professional to contribute to our team's success. Your responsibilities will include supporting the development of innovative data-driven credit strategies, meticulously tracking A/B test and key credit strategies results, and collaborating with investor teams and bank partners to effectively communicate credit policy changes and loan performance.

This role will be based in our San Francisco office in a hybrid capacity, 2-3 times per week.

What You’ll Do: 

• Analytical and results driven individual to support developing acquisition credit strategies and performance analytics for Upgrade Personal Loans
• Develop and manage performance reporting for executive management, and Upgrade Investor teams.
• Partner with Investor teams and support performance reporting & ad hoc analysis
• Work closely with external bank partners to submit new credit policy changes and address questions.
• Monitor performance of various A/B tests and make recommendations based on findings.
• Work closely with Product, Engineering, Marketing and BI to find opportunities in improving current KPIs and enhance customer experience.
• Monitor and communicate personal loans performance through hands on analysis.

What We Look For:

• 1-3 years of industry experience in at scale technology, start-up or high growth company, Fintech experience plus
• Bachelor's degree in Statistics, Economics, Operations Research, Mathematics, Computer Science, Engineering or related quantitative discipline; advanced degree preferred.
• Working knowledge in SQL, R/ Python required, Tableau preferred.
• Knowledge and experience of statistical procedures, decision tree, and financial analytic tools 
• Strong data-manipulation and data visualization skills
• Experience exploring new tools and methodologies to solve real-world problems.
• Detail oriented and strong analytical skill set.

What We Offer You: 

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance 
• Flexible PTO
• Competitive 401(k) and RRSP program
• Opportunities for professional growth and development  
• Paid parental leave
• Health & wellness initiatives

The compensation range of this position is USD $105,000 - $130,000 annually plus bonus, 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.

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.

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.