Upgrade

Data Scientist

San Francisco, California, United States

Not SpecifiedCompensation
Junior (1 to 2 years), Entry Level & New GradExperience Level
Full TimeJob Type
UnknownVisa
Financial Services, Data ScienceIndustries

Requirements

Candidates should possess an Advanced Degree (MS/PhD) in Data Science, Statistics, Mathematics, Computer Science, Finance, or a related quantitative discipline, and 0-2 years of hands-on experience in a data science or analytics role, preferably in financial services. A strong foundation in statistics, machine learning, and financial domain knowledge is also required.

Responsibilities

The Data Scientist will build and deploy statistical models and machine learning algorithms to solve business problems in areas like credit risk, fraud detection, pricing, customer segmentation, and marketing attribution, validate models to identify factors affecting performance, analyze large datasets using SQL, Python, and collaborate with cross-functional teams to define data-driven strategies and stay up to date with data science and fintech trends.

Skills

SQL
Python
Machine Learning
Statistical Modeling
Data Analysis
Financial Domain Knowledge
Credit Risk
Fraud Detection
Pricing
Customer Segmentation
Marketing Attribution

Upgrade

Provides loans, credit cards, and rewards

About Upgrade

Upgrade offers personal loans, credit cards, and rewards checking accounts to help individuals manage their finances. Their personal loans allow borrowing up to $50,000 with fixed rates and no prepayment penalties, while the Upgrade Card provides cash back rewards on various spending categories. What makes Upgrade different is its focus on affordability and user-friendly features, attracting customers looking for flexible credit solutions. The company's goal is to promote responsible financial behavior and long-term financial health through accessible credit options.

Key Metrics

San Francisco, CaliforniaHeadquarters
2016Year Founded
$532.1MTotal Funding
SERIES_FCompany Stage
Fintech, Financial ServicesIndustries
1,001-5,000Employees

Benefits

Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
401(k) Company Match
Unlimited Paid Time Off
Paid Parental Leave
Health & wellness initiatives

Risks

Expansion into auto loans increases exposure to credit risk.
Crowded BNPL market may pressure margins for Uplift acquisition.
Investment in new office space may strain resources if growth falters.

Differentiation

Upgrade offers a unique blend of credit and banking products.
The Secured OneCard targets consumers with little or no credit history.
Partnership with FairPlay enhances fairness in lending practices.

Upsides

Expansion into auto loans diversifies Upgrade's product offerings.
Acquisition of Uplift strengthens Upgrade's position in travel financing.
Partnership with Finturf enhances home improvement financing options.

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