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Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7 million customers access over $40 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $6.3B.
We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.
We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.
About the Role:
We are seeking an experienced Credit Risk Senior Manager to lead our credit risk management function for Personal Loan and drive strategic risk initiatives across the organization. This is a data driven, credit risk strategy role that requires a seasoned professional who can develop credit risk strategies utilizing data, pricing, loan amount and offer strategy frameworks, manage complex portfolios, and engage with executive leadership to ensure sound credit decision-making while supporting business growth objectives. This is an individual contributor role with ownership over key strategic deliverables. The position offers the opportunity to broaden responsibilities over time based on business needs, performance, and demonstrated leadership. This role will involve data-driven decision-making processes, manage credit risk projects from conception to deployment, tracking A/B test results and extracting insights that drive product development, risk mitigation, and customer strategy.
This position is remote, open to all US locations with required travel to San Francisco, CA and/or Wilmington, DE as needed.
What You’ll Do:
- Analytical and results driven to solve business problems in areas like 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 the feature list and work with data engineering and analytics teams to build scalable and durable feature engineering process.
- Stay up to date with the latest trends and technologies in data science and fintech, actively research new tools and techniques available 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.
What We Look For:
- 7+ years of hands-on experience in a data analytics role, preferably in financial services.
- Bachelor's degree in Statistics, Economics, Operations Research, Mathematics, Computer Science, Engineering or related quantitative discipline; advanced degree preferred.
- Strong proficiency in SQL, Python (Pandas, Numpy), Tableau reporting, advance excel skills and Chaid decision trees (Knowledge seeker or R).
- Working with bureau attributes, proprietary model scores and feature engineering.
- Detail oriented and strong analytical skill set.
- Proactive, driven, and ability to work in a fast-paced environment.
Nice to Have:
- Experience in credit risk, risk based pricing, line/exposure assignment or consumer lending credit products
- Experience in marketing analytics, fraud analytics or web funnel conversion analytics for direct to consumer products
- Understanding of financial services concepts such as credit scoring, portfolio risk, risk-based pricing or customer lifetime value.
What We Offer You:
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Competitive 401(k) and RRSP program
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
#LI-Remote #BI-Remote
For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.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.
Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.
