What You’ll Do:

• Perform initial due diligence reviews on potential default servicing and debt purchasing vendors
• Conduct ongoing oversight and testing of existing vendors and debt buyers
• Work closely with Compliance, Vendor Management and Operational teams to ensure identified issues are remediated timely
• Work with Compliance and Legal departments to advise Operations on nuanced or high risk collections and default issues involving bankruptcy, debt settlement, repossession, and loss mitigation
• Review collection communications
• Advise on proper credit reporting for delinquent accounts

What We Look For:

• Bachelor's Degree
• 5-7 years background in compliance, auditing, testing, legal, or regulatory/law enforcement experience specific to default servicing and collections
• Experience in the financial services industry, either working for an lender, investor, marketplace platform, law firm, or regulator
• Understanding of consumer-facing regulations, information technology systems, and standard system implementation methodologies

Nice to Have:

• Deep understanding of FDCPA and its application in different forms of collection activities
• Broad knowledge of financial products, markets, and laws and regulations, including consumer regulations such as FDCPA, FCRA, and UDAAP
• Understanding of regulations applying to credit cards, auto loans, and unsecured credit
• Excellent critical thinking, presentation, written communication, time management, and analytical skills
• Integrity, motivation, intellectual curiosity, and enthusiasm
• Knowledge of Microsoft Word and Excel

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

Notice to California-based Candidates for Employment. This California Candidate Privacy Notice is intended to provide information about how Upgrade collects and uses personal information to California consumers who apply for employment with Upgrade If you are employed by Upgrade, refer to the Employee Handbook for additional information. For any questions about this notice, please contact ccpa@upgrade.com.

Personal Information Upgrade Collects:

Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin. Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information. Any other information you provide as a part of recruitment, job application, or interview process.

Purposes for Collecting Personal Information:

To consider qualifications, skills, and interest for employment. To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment. To provide compensation, including payroll, and administer stock options and benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To improve recruitment and interview processes and ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.