We are seeking a Credit Risk & Analytics Manager/Sr. Manager to join our innovative & fast-growing Travel BNPL team 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.
Uplift is at the forefront of innovation in the travel BNPL industry, committed to providing transparent and consumer-friendly financial solutions. Join our team and contribute to reshaping how consumers manage their finances responsibly while enjoying the flexibility of Buy Now Pay Later services.
- Design & implement strategies and analytical frameworks to evaluate applicant risk using various financial data sources/ proprietary scoring models and underwriting guidelines.
- Own underwriting policy changes end to end including business intent definition, collaboration with engineering/product teams to implement and monitor the business intent, and performance monitoring
- Ensure compliance with regulatory requirements and internal policies throughout the underwriting process.
- Document and automate analytical frameworks and processes to reduce onboarding times for new team members as we grow
- Collaborate with other departments including Sales, Engineering, Product, Operations, Finance, and Legal to streamline processes and enhance customer experience.
- Monitor loan portfolio performance and conduct periodic reviews to manage risk exposure effectively. Develop/manage periodic reporting templates to Senior Management, and Upgrade Lending Partners
- Monitor performance and profile at a merchant level to drive insights/decisions around merchant pricing and underwriting policy.
- Bachelor’s degree in Finance, Economics, Business Administration, Statistics, Computer Science or a related field
- 4+ years of proven experience in Analytics domain in an at scale technology, start-up or high growth company, preferably in consumer lending or BNPL.
- 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.
- Familiarity with credit risk management principles, regulatory requirements, and industry best practices. 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.
- 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 initiative
The compensation range of this position in San Francisco, CA is USD $140,000 - $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.
What the Team is Saying
What We Do
At Upgrade, we like to tackle big problems and create innovative products that make a meaningful difference in people's lives. We don't have all the answers but we always help each other, look for ways to improve, move fast, and act as owners to make credit more affordable for millions of families across America.
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Upgrade, Inc. Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
