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.

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 role requires a seasoned professional who can develop data driven credit risk strategies, 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.

We are seeking a highly analytical and results-driven team member to join our team. 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

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.

Senior Manager, Credit Risk

Offer summary

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Key responsibilities:

Job description

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.

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