Credit Risk Senior Manager

Employment Type: [Not Specified] Location Type: Remote (US) Salary: [Not Specified]

Position Overview

Upgrade is a rapidly growing fintech company dedicated to providing accessible and responsible financial products, including credit, mobile banking, and payment solutions, to everyday consumers. Recognized by the Financial Times as the fastest-growing company in the Americas last year, and with Upgrade Card being the fastest-growing credit card in America for two consecutive years, Upgrade has facilitated over $33 billion in credit to 5.5 million customers. Backed by leading technology investors and valued at $6.3 billion, Upgrade fosters an inclusive and collaborative culture where team members are encouraged to learn, innovate, and take ownership. The company has received numerous accolades, including "Best Place to Work in the Bay Area" for three consecutive years, "Top Companies to work for in Arizona," and recognition for its engineering department, diversity, women, culture, and veterans. We are seeking talented individuals passionate about creating impactful financial products to join our team of 1850 professionals.

About the Role

We are looking for an experienced Credit Risk Senior Manager to lead our credit risk management for Personal Loans and spearhead strategic risk initiatives across the organization. This role requires a seasoned professional capable of developing data-driven credit risk strategies, pricing, loan amount, and offer strategy frameworks. The ideal candidate will manage complex portfolios and collaborate with executive leadership to ensure sound credit decision-making while supporting business growth.

This is an individual contributor role focused on key strategic deliverables, with opportunities for expanded responsibilities based on business needs, performance, and demonstrated leadership. The position involves data-driven decision-making, managing credit risk projects from inception to deployment, tracking A/B test results, and extracting insights to drive product development, risk mitigation, and customer strategy.

This position is remote and open to all US locations. Travel to San Francisco, CA and/or Wilmington, DE may be required as needed.

Responsibilities

• Drive analytical and results-driven problem-solving in areas such as risk-based pricing, loan amount assignment, acquisition credit risk underwriting, offer strategies, and web funnel conversion initiatives.
• Analyze large, structured, and unstructured datasets using SQL, Python, or similar tools.
• Evaluate existing customer data, new third-party, or alternative data to enhance feature lists and collaborate with data engineering and analytics teams to build scalable and durable feature engineering processes.
• Stay current with the latest trends and technologies in data science and fintech, actively researching new tools and techniques for model development.
• Collaborate with cross-functional teams, including risk, marketing, product, capital markets/investor relations, legal/compliance, and engineering, to define data-driven strategies.

Requirements

• 7+ years of hands-on experience in a data analytics role, preferably within financial services.
• Bachelor's degree in Statistics, Economics, Operations Research, Mathematics, Computer Science, Engineering, or a related quantitative discipline. An advanced degree is preferred.
• Strong proficiency in SQL, Python (Pandas, Numpy), Tableau reporting, advanced Excel skills, and Chaid decision trees (Knowledge seeker or R).
• Experience working with bureau attributes, proprietary model scores, and feature engineering.
• Detail-oriented with a strong analytical skill set.
• Proactive and driven.

Company Information

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 $33 billion in affordable and responsible credit to our 5.5M 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 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.