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Senior Analyst, Credit & Investor Analytics



IT, Data Science
San Francisco, CA, USA
Posted on Thursday, October 26, 2023

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:

Upgrade is looking for a Senior Analyst to join our Credit & Investor Analytics team in San Francisco. In this role, you will be working with our Credit Risk team, as well other cross-functional stakeholders on reviewing and maintaining Upgrade's credit policy, strategy and model use across our diverse suite of products.

This is a hybrid role, 2-3 times per week in our San Francisco, reporting to our Senior Director, Credit Risk.

What You’ll Do:

  • 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.

What We Look For:

  • 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

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

The compensation range of this position in San Francisco, CA is USD $100,000 - $110,000 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.

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
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.

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.