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About the Role:
Upgrade is looking for a Senior Manager to oversee our Investor & Risk Analytics. In this role, you will be working with our Risk Management and Investor teams to review and enhance Upgrade's underwriting practice to deliver investor target yields.
This is a hybrid role in our San Francisco (2-3 times per week ) and reporting to our Senior Director, Credit Risk.
What You'll Do:
- Work closely with Risk Management team to review and enhance Upgrade's underwriting practice (strategy, credit policy, and model use) to deliver investor target yields.
- Collaborate with Upgrade's Capital Markets (Investor) team to communicate product, segment and credit policy changes to loan buyers and institutional investors.
- Monitor credit profile and return/risk performance across products (Personal Loans, Card, Auto, Home Improvement, Travel BNPL) and communicate insights.
- Support periodic reporting to executive management, Credit Risk Committee and Upgrade Investor Team.
- 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.
- Obtain subject matter expertise in internal and external data sources and ensure data integrity.
What We Look For:
- 7+ years of experience in analytics, preferably consumer credit risk
- Bachelor's/Master's degree in Statistics, Mathematical Finance, Economics, or related quantitative field
- Excellent communicator with the ability to discuss / present complex issues in a simple manner
- Proactive, driven, and ability to work in a fast-paced environment
- Good judgment and excellent interpersonal skills
- Detail oriented and strong analytic skill set
- Advanced experience in SQL
- Hands-on experience with Python, R or SAS
- Experience with Tableau and/or other BI/data visualization tools a plus
- Fintech lender/Structured finance experience a plus
- Willingness to travel (up to 10% of the time)
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 $150,000 - $180,000 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.
#BI-Hybrid #LI-Hybrid
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.
