Senior Analyst, Investor Credit at Upgrade

San Francisco, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

Bachelor's degree in Statistics, Economics, Operations Research, Mathematics, Computer Science, Engineering or related quantitative discipline; advanced degree preferred
2+ years of consumer lending industry experience, preferably with a fintech originator or loan buyer
Expert knowledge of SQL and R/Python required
Tableau developer experience preferred
Strong data-manipulation and data visualization skills
Proactive, driven, and ability to work in a fast-paced environment
Detail oriented, clear communicator and strong analytical skill set
Highly analytical person comfortable in an independent contributor role and familiar with consumer lending and credit analysis
Experience as an analyst in a credit risk or capital markets function (ideal)

Responsibilities

Track and measure loan performance metrics including delinquencies, losses, prepayments and IRR across multiple consumer lending products including personal loans, home improvement loans, indirect auto loans, credit cards and BNPL
Develop and manage performance reporting for executive management, and Upgrade Investor teams
Partner with Investor teams and support performance reporting & ad-hoc analysis
Review credit policy changes to evaluate projected impact to volumes and performance
Investigate trends to determine causal factors
Work with Product and Operations teams on changes that impact loan performance
Collaborate with Credit team to track credit profiles and loan performance across multi-product consumer lending platform
Conduct detailed analysis of loan performance to present impact of key credit strategies and policy changes to senior leadership and investors

Skills

credit analysis

loan performance metrics

consumer lending

credit risk

capital markets

delinquency tracking

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.

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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