Upgrade is looking for a Senior Analyst to to join our Risk & Investor Analytics team. In this role, you will be working with our Credit Risk team to review and enhance Upgrade's underwriting practice. This is a hybrid role in our San Francisco office (2-3 times per week) and reporting to our Senior Director of Credit Risk.
- Work closely with Credit Risk team to review and enhance Upgrade's underwriting practice (strategy, credit policy, and model use) to deliver investor target yields.
- Monitor credit profile and return/risk performance across products (Personal Loans, Card, Auto, Home Improvement, Travel BNPL) and communicate insights.
- Back-test credit strategies using historical performance and review impact of credit expansion/tightening.
- Develop loss forecasts to reflect credit policy and/or segmentation changes.
- Support periodic reporting to executive management, Credit Risk Committee and Upgrade Investor Team.
- Obtain subject matter expertise in internal and external data sources and ensure data integrity.
- Collaborate with Investor team to support external investor communication on product, segment, and credit policy changes.
- 2-5 years of experience in analytics, preferably consumer credit risk
- Bachelor's/Master’s degree in Data Analytics, Mathematical Finance, Economics, or a related quantitative field
- Strong programming skills in Python and/or R
- Advanced experience in SQL
- Experience with Tableau or other BI/data visualization tools
- Detail oriented and strong analytical skill set
- Proactive, driven, and ability to work in a fast-paced environment
- Fintech lender experience preferred
- 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 is $100,000 - $140,000 USD 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.
