Upgrade
At Upgrade, we like to tackle big problems and create innovative products that make a meaningful difference in people's lives. We cultivate an inclusive and diverse environment and empower our customers and our teammates with knowledge and information. We don't have all the answers but we never stop looking. Together we work hard, have fun and celebrate milestones.
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Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
As an Auto Servicing Specialist, you will engage with our customers by phone and email providing the best in class service related to current status of accounts, payments and other concerns. You will be encouraged to collaborate with management and team members to accurately and efficiently assist our customers.
Position Details:
- Shift: Monday - Friday
- Compensation: $22.00/hr.
What You’ll Do:
- Interact with customers to answer questions, provide assistance, and process requests by phone and email.
- Complete welcome calls to new customers Answer incoming customer calls regarding billing issues, service questions and general concerns Provide thorough and accurate documentation to customer accounts across our communication channels.
- Identify areas of opportunity for optimizing results and improve customer satisfaction Contribute to the improvement of training and development on a daily basis.
- Service accounts by investigating problems and finding resolutions to help overcome customer objections about payments while working towards solutions that best fit their needs.
- Create a positive customer experience Maintain superior quality assurance results.
Nice to Have:
- 2+ years of customer service experience required.
- 1+ years of experience in auto/servicing collections High School Diploma or equivalent required, Bachelor's or Associate's degree preferred.
- Working knowledge and experience with FDCPA and FCRA regulations.
- Excellent written and verbal communication Strong analytical and problem solving skills.
- Demonstrated ability to multi-task and work in a fast-paced environment.
- Flexibility and ability to adapt to business needs.
- Capability of gaining customer loyalty through listening, relationship building, professionalism, and persuasive communication skills.
- Team oriented mindset Proficient in Microsoft Cloud based products and Google Workplace.
What We Offer You:
- Great open office space
- Paid time off (PTO)
- 401K matching
- Comprehensive benefits package: Medical, dental, vision, life insurance & disability
- Conveniently located in the heart of Downtown Phoenix close to light rail and public transportation
- Paid parking or platinum pass
- New Hire Training Program
- Wellness Incentive Program
- Kitchen fully stocked with snacks and beverages
#LI-Onsite
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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're looking for a Senior Merchant Underwriter that will ensure high risk reviews and merchant applications meet verification and program guidelines. We are looking for detailed-oriented individuals with a high level of integrity. In this position, you would spend your day reviewing merchant documentation, analyzing financials including balance sheets and income statements, reviewing trends and decisioning applications. This is a dynamic role partnering with our merchants to provide a best-in-class experience.
What You’ll Do:
- Verify merchant application information, coordinate the collection of missing data and documentation, analyze and underwrites new merchant applications, and re-evaluate existing merchant accounts as requested by the other internal stakeholders
- Ensure strict adherence to company policies and procedures, Federal and State regulations, and laws.
- Comply with regulatory requirements, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Know Your Customer (KYC) and OFAC guidelines, to support the identification, detection, and prevention of fraud, money laundering and other unlawful activities.
- Read and interpret commercial credit reports to assess merchant risk profiles
- Analyze business financial statements including balance, income statement and cash flow.
- Contribute to regular staff meetings to discuss merchant accounts, trends, losses, etc.
- Recommend and help implement process improvements to enhance efficiency, consistency, and decision quality—including leveraging AI-driven strategies in the application review process.
- Bring a flexible mindset – you will be required to adapt to changing policy and procedures on a constant basis while maintaining high-quality work.
What We Look For:
- 4+ years of business or merchant underwriting experience
- 2+ years experience in a payments, financial services or related industry
- Ability to proficiently analyze financial information and identify concerning trends
- Team player mentality with a high level of integrity
- Ability to thrive in a changing and fast-paced environment
- Detail-oriented with excellent verbal and written communication skills
- Proficiency with Google Sheets, Tableau
What We Offer You:
- Competitive salary
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Competitive 401(k)
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
#LI-Hybrid
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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're looking for a Senior Credit Analyst that will ensure high risk reviews and merchant applications meet verification and program guidelines. We are looking for detailed-oriented individuals with a high level of integrity. In this position, you would spend your day reviewing merchant documentation, analyzing financials including balance sheets and income statements, reviewing trends and decisioning applications. This is a dynamic role partnering with our merchants to provide a best-in-class experience.
What You’ll Do:
- Verify merchant application information, coordinate the collection of missing data and documentation, analyze and underwrites new merchant applications, and re-evaluate existing merchant accounts as requested by the other internal stakeholders
- Ensure strict adherence to company policies and procedures, Federal and State regulations, and laws.
- Comply with regulatory requirements, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Know Your Customer (KYC) and OFAC guidelines, to support the identification, detection, and prevention of fraud, money laundering and other unlawful activities.
- Read and interpret commercial credit reports to assess merchant risk profiles
- Analyze business financial statements including balance, income statement and cash flow.
- Contribute to regular staff meetings to discuss merchant accounts, trends, losses, etc.
- Recommend and help implement process improvements to enhance efficiency, consistency, and decision quality—including leveraging AI-driven strategies in the application review process.
- Bring a flexible mindset – you will be required to adapt to changing policy and procedures on a constant basis while maintaining high-quality work.
What We Look For:
- 4+ years of business or merchant underwriting experience
- 2+ years experience in a payments, financial services or related industry
- Ability to proficiently analyze financial information and identify concerning trends
- Team player mentality with a high level of integrity
- Ability to thrive in a changing and fast-paced environment
- Detail-oriented with excellent verbal and written communication skills
- Proficiency with Google Sheets, Tableau
What We Offer You:
- Competitive salary
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Competitive 401(k)
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
#LI-Hybrid
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
As a Credit Analyst, you will underwrite and process new auto loan applications that are submitted by our auto dealership partners. You will analyze applicants and loan data with a focus on credit worthiness, risk mitigation, pricing, and compliance in accordance with Upgrade Auto's lending policies.
This is a hybrid position with a standard 40-hour work week that includes rotating morning and evening shifts within an 8-hour workday, as well as occasional weekend coverage.
What You’ll Do:
- Receive and underwrite new auto loan applications
- Price loan approvals according to market and risk
- Create relationships with auto dealer partners and negotiate with external clients
- Build strong relationships with our internal Dealer Development partners and teams, as well as various stakeholders
- Resolve dealership concerns and existing loan issues that may arise by providing alternative solutions while using reason when dealing with emotional topics
- Assess loan documents and third party data to make informed lending decisions
- Work with the Operations Team to resolve issues that may arise during the funding process
- Stay up to date with current economic trends and industry regulations
What We Look For:
- 5+ years of experience in financial services, credit management, auto industry or a related field
- Attention to detail when dealing with individual customer loans and credit files
- Professionalism, ownership, and the ability to work under pressure in challenging situations
- Ability to collaborate with others and work in a team environment
- Excellent verbal and written communication, as well as strong presentation skills
- Highly motivated to set and achieve challenging goals while demonstrating persistence through obstacles
What We Offer You:
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
The compensation range of this position in Orange County is $40-45 per hour plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
The Contractor Success Manager role will play a vital role in building our sales team in North America. The sales team is responsible for attracting new merchants and contractors to offer their customers payment options through Upgrade. As a Contractor Success Manager, you will be responsible for the overall productivity and revenue generation of an assigned portfolio of Upgrade's partners. You will be tasked with growing our merchant and contractor partners to advance their business and help them achieve their goals.
What You’ll Do:
- Ensure new contractor partners are introduced to and actively leverage Upgrade's solutions at every opportunity. Working with newly signed partners in a proactive manner to ensure adoption happens rapidly
- Drive increased consumer loan volume within an assigned contractor portfolio by growing use of Upgrade's solutions with both established and underperforming merchants. Activities will include: initial merchant orientation, ongoing training of all relevant merchant personnel, quarterly/yearly business reviews and creative sales initiatives to drive growth
- Recognize trends to proactively engage in meaningful conversations with contractors to prevent merchant churn within Upgrade's program
- Supporting our contractors is our number one priority. It is crucial to provide timely support to assigned contractors to develop loyalty and ensure a great customer experience
What We Look For:
- BA/BS degree preferred or equivalent experience in similar role
- 2+ years sales and/or relationship management experience; preferably in channel sales
- Proven track record of success in a quota bearing position
- Proficiency with Salesforce.com
- Ability to identify problems and provide compelling solutions to a variety of contractors
- Ability to develop professional relationships over the telephone and email
- Availability to work outside of normal hours and interact with contractors when assistance is needed to close a deal
What We Offer You:
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Competitive 401(k) program
- Flexible PTO
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
#BI-Hybrid #LI-Hybrid
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
Our Office and Engagement team is looking for a team member to help build a great place to work in our Downtown Phoenix contact center! This person will be responsible for the maintenance and upkeep of our beautiful office space by coordinating with vendors, business leaders, and office coordinators. Under the direction of the Office and Engagement Manager, this role will assist in initiatives that drive the health and safety of our workspace, as well as other engagement activities.
This is an in-office role
Starting Pay: $24.00/Hour
What You’ll Do:
- Manage vendor relationships to ensure standards and budgets are being met
- Handy person - General interior maintenance - hang pictures, install equipment, repair office furniture systems
- Plan and maintain safety & sustainability initiatives
- Coordinate facility repair, maintenance, and daily operations for assigned office space
- Conduct daily walkthroughs of facilities, open tickets for any identified issues and use the data gathered to coordinate planned maintenance projects
- Resolve issues raised through our online ticketing system per the standards outlined
- Review calendars daily and solve conflicts, provide assistance for last minute meeting requests
- Maintain organization and cleanliness in shared spaces and storage areas
- Manage supply inventories and place necessary orders while maintaining budgets
- Coordinate and support food-related events by managing setup, organizing required assets, overseeing food delivery logistics, and providing other event support as needed.
- Collaborate in the planning, coordination, and on-site support of diverse office events and activities
- Additional executive and office support as needed
What We Look For:
- Being a knowledgeable and helpful resource for an employee base and your direct team
- Provide a high level of customer service to our team members and vendors
- Remain positive and poised in a fast paced environment
- You’re a master at Googling answers for challenges that aren’t in the playbook
- Technically savvy with experience navigating multiple systems and tools (e.g., G Suite, calendars, ticketing systems).
- Strong interpersonal and communication skills with the ability to interact across all levels of the organization
- Associate's degree or higher is preferred
- 1-3 years experience as a technician using standard tools such as drills, leveler, and wrench required
- Occasional lifting of 50 lbs, or team lifting
What We Offer You:
- Great open office space
- Paid time off (PTO)
- 401K matching
- Comprehensive benefits package: Medical, dental, vision, life insurance & disability
- Conveniently located in the heart of Downtown Phoenix close to light rail and public transportation
- Paid parking or platinum pass
- New Hire Training Program
- Wellness Incentive Program
- Kitchen fully stocked with snacks and beverages
#LI-Onsite
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
The Dealer Development Manager will represent Upgrade Inc (Auto Finance Division) and promote our indirect lending programs. They will develop, maintain, and grow business partnerships between Upgrade Inc. and our dealership partners. The Dealer Development Manager is also responsible for staying up-to-date on local market conditions and industry trends. In this role, you will work with internal partners to find solutions that better serve our customers, and build long lasting relationships with key decision makers to drive growth and continuous improvement.
This position requires residency in the San Diego, CA market.
What You’ll Do:
Dealer Relationship Management
- Develop and maintain relationships with new and existing dealer partners
- Act as a trusted advisor to dealership owners, GMs, and F&I managers
- Conduct regular in-person dealership visits based on a structured drive schedule
- Deliver consistent follow-up and service to ensure dealer satisfaction and loyalty
Dealer Acquisition & Activation
- Identify, onboard, and activate new dealer partners
- Drive dealer sign-ups and first deals (“activation”)
- Re-engage inactive dealers (e.g., no deals in 90 days) and return them to production
- Execute onboarding training to ensure dealers understand programs and systems
Production & Volume Growth
- Achieve monthly funding and application volume goals
- Increase contracts per active dealer and overall territory production
- Focus on growing volume in Tier 3–5 segments while maintaining quality
- Drive penetration targets (e.g., 3+ and 5+ deals per dealer per month)
Credit & Deal Structuring
- Partner closely with underwriting/credit teams to structure deals effectively
- Educate dealers on program guidelines, stips, and deal packaging
- Improve pull-through by coaching dealers on submitting clean, fundable deals
Portfolio Performance & Quality
- Monitor dealer portfolio performance (delinquency, charge-offs, profitability)
- Manage dealer mix to align with company risk appetite and profitability goals
- Shift focus toward preferred collateral and higher-performing dealers
- Ensure adherence to compliance, credit policies, and documentation standards
Training & Dealer Development
- Conduct ongoing product and process training with dealership staff
- Educate dealers on value-added products
- Provide market insights and best practices to improve dealer success
- Position the company as a relationship-driven partner vs. transactional lender
Territory & Activity Management
- Maintain a disciplined weekly drive schedule maximizing in-person dealer time
- Track and manage activity through CRM (e.g., Salesforce)
- Analyze territory performance and adjust strategy based on data
- Participate in team calls, sales meetings, and performance reviews
What We Look For:
- 2+ years of experience in indirect auto finance, auto sales, or related field
- Strong understanding of credit tiers, loan structuring, and dealership operations
- Proven ability to build relationships and drive sales growth
- Excellent communication, negotiation, and problem-solving skills
- Self-motivated with strong time management and territory planning skills
- Ability to travel locally (significant field time required)
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. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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're seeking a hands-on Senior Director, Card Pricing to lead pricing strategy on our Card business team. In this role, you'll drive our thinking across lifecycle pricing for our card products, develop and implement consistent pricing frameworks, and manage strong controls and documentation. You will use in-market results and business judgement to identify enhancements and optimizations, partner cross-functionally to advocate for changes, and communicate results to a broad set of stakeholders. Your work will develop our approach to pricing in Card, advance our ability to competitively serve customers, and ensure predictable and strong returns from our Card product.
This role will be based in our Wilmington,Delaware or San Francisco, CA office in a hybrid capacity.
What You’ll Do:
- Design, implement, and manage pricing frameworks across the card lifecycle
- Manage yield across new and existing accounts
- Design and implement card-act compliant pricing infrastructure and policies
- Develop new pricing approaches/strategies for innovative payment and lending features that enhance customer usage and portfolio profitability
- Conduct tests and analyze results to challenge assumptions and continuously refine our approach
- Ensure accurate execution through robust controls and clear documentation
- Translate complex data into actionable high-impact strategies
- Present findings and recommendations to leadership and stakeholders, including maintaining a pricing agenda and roadmap
- Bring innovative and original ideas to tackle novel questions in the Card space
- Partner cross-functionally across marketing, product, credit, finance, and more
What We Look For:
- 7+ years of experience in consumer finance, consulting, or other data-driven backgrounds
- Deep experience with consumer financial product pricing, particularly credit cards
- Strong proficiency in SQL, Excel
What We Offer You:
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Competitive 401(k)
- 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. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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 looking for a Director of Financial Institution Sales. The Director will be responsible for building the banking and credit union funding channel in their territory / selling Upgrade’s credit products including personal unsecured loans, card receivables, indirect auto, home improvement and potentially other consumer credit products to CLO/CFO/CEOs at depositories. This position reports to the EVP, Head of Investor Group.
The role can be remote or hybrid with our San Francisco HQ.
What You’ll Do:
- Present Upgrade’s unsecured consumer loans and any subsequent products that Upgrade develops to banks and credit unions.
- Represent upgrade at regional conferences including speaking engagements to generate bank/credit union partnership leads
- Manage pipeline from lead generation to closing
- Work closely with onboarding and execution team to move partnership relationship forward, track success strategies in CRM
What We Look For:
- 7+ years of experience in bank sales at a software, financial technology, or asset management firm, whole loan sales/trading
- Extensive contact list of bank clients and credit unions in the region
- Advanced knowledge of consumer credit products and general investing markets
- Strong understanding of how banks/credit unions operate and their decision-making framework: risk returns, capital requirements, loss provisions, regulatory considerations, etc.
- Proven measurable success in growing sales pipeline
- Superior written and verbal communication skills
- Good judgment and excellent interpersonal skills
- Ability to operate in a fast-paced environment and recognize and focus on critical issues
- Salesforce specific CRM experience a plus
What We Offer You:
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
The compensation range of this position in San Francisco, CA is USD $170,000-$250,000 plus equity and benefits. Within this range, an individual's pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
What You’ll Do:
- Have a desire to not only sell, but to shape go-to-market offerings and sales processes
- Own the entire end to end sales cycle from create to close
- Maintain a robust sales pipeline within target accounts and track in Salesforce
- Develop key relationships with your clients at the C Suite level and cultivate lasting relationships with customers
- Refine and deliver sales presentations to customers
- Consistently overachieve targets through a customer-obsessed approach
- Engage in and champion the proper culture and processes for a motivated, balanced, and highly efficient team capable of scaling up at later stages of organizational maturity
- Clearly articulate and demonstrate our value proposition, creating excitement and enthusiasm among prospects
- Regularly iterate messaging that will scale our outbound prospecting engine
- Partner with the Sales and Customer Success leadership teams to develop account-based sales strategies to uncover value for all go-to-market department leaders
- Drive activity using multiple channels and resources inside and outside the organization. Prospect and generate relationships with new customers
- Adopt and execute high-velocity selling methodologies
- Have a passion for driving customer adoption and satisfaction
What We Look For:
- Minimum of 5+ years of experience in SaaS or Channel full sales cycles or highly relatable functions
- Interest in not just performing the AE role but in helping shape a new offering’s go-to-market
- Willing to travel up to 25% of time
- Experience in developing trusted relationships with new customers
- Effective presentation and communication skills
- Self-driven and track record in exceeding goals
- Strong collaborator with cross-functional teams to succeed in managing projects and deal cycles of all sizes
- Adaptability - you understand that change is constant, and you embrace it. You’re agile and resilient. You move quickly and encourage continued improvement
- Strong work ethic and competitive mindset. You always want to be at the top of the leaderboard
What We Offer You:
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Competitive 401(k)
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
#LI-Hybrid
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
The Dealer Development Manager will represent Upgrade Inc (Auto Finance Division) and promote our indirect lending programs. They will develop, maintain, and grow business partnerships between Upgrade Inc. and our dealership partners. The Dealer Development Manager is also responsible for staying up-to-date on local market conditions and industry trends. In this role, you will work with internal partners to find solutions that better serve our customers, and build long lasting relationships with key decision makers to drive growth and continuous improvement.
This position requires residency in the North Houston, TX market.
What You’ll Do:
Dealer Relationship Management
- Develop and maintain relationships with new and existing dealer partners
- Act as a trusted advisor to dealership owners, GMs, and F&I managers
- Conduct regular in-person dealership visits based on a structured drive schedule
- Deliver consistent follow-up and service to ensure dealer satisfaction and loyalty
Dealer Acquisition & Activation
- Identify, onboard, and activate new dealer partners
- Drive dealer sign-ups and first deals (“activation”)
- Re-engage inactive dealers (e.g., no deals in 90 days) and return them to production
- Execute onboarding training to ensure dealers understand programs and systems
Production & Volume Growth
- Achieve monthly funding and application volume goals
- Increase contracts per active dealer and overall territory production
- Focus on growing volume in Tier 3–5 segments while maintaining quality
- Drive penetration targets (e.g., 3+ and 5+ deals per dealer per month)
Credit & Deal Structuring
- Partner closely with underwriting/credit teams to structure deals effectively
- Educate dealers on program guidelines, stips, and deal packaging
- Improve pull-through by coaching dealers on submitting clean, fundable deals
Portfolio Performance & Quality
- Monitor dealer portfolio performance (delinquency, charge-offs, profitability)
- Manage dealer mix to align with company risk appetite and profitability goals
- Shift focus toward preferred collateral and higher-performing dealers
- Ensure adherence to compliance, credit policies, and documentation standards
Training & Dealer Development
- Conduct ongoing product and process training with dealership staff
- Educate dealers on value-added products
- Provide market insights and best practices to improve dealer success
- Position the company as a relationship-driven partner vs. transactional lender
Territory & Activity Management
- Maintain a disciplined weekly drive schedule maximizing in-person dealer time
- Track and manage activity through CRM (e.g., Salesforce)
- Analyze territory performance and adjust strategy based on data
- Participate in team calls, sales meetings, and performance reviews
What We Look For:
- 2+ years of experience in indirect auto finance, auto sales, or related field
- Strong understanding of credit tiers, loan structuring, and dealership operations
- Proven ability to build relationships and drive sales growth
- Excellent communication, negotiation, and problem-solving skills
- Self-motivated with strong time management and territory planning skills
- Ability to travel locally (significant field time required)
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
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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 a driven, experienced Sales Development Representative (SDR) to join our Flex Pay team and help expand our footprint in the retail and non-travel sectors. As one of our first SDR hires, you will play a pivotal role in driving revenue growth by creating qualified opportunities, building trusted relationships, and fueling pipeline through a consultative, value-driven outreach approach.
This role is ideal for a self-starter who thrives in a fast-paced, entrepreneurial environment and is energized by the challenge of bringing innovative fintech solutions to market. Working closely with our sales team and leadership, you’ll help shape our prospecting motion and introduce FlexPay’s differentiated BNPL offering to enterprise and mid-market merchants.
What You’ll Do:
- Build and manage a high-velocity prospecting engine across outbound channels (email, phone, LinkedIn, social) to generate qualified meetings.
- Identify, research, and prioritize high-potential accounts and buyer personas across e-commerce, payments, and retail decision-makers (e.g., VPs of eCommerce, CFOs, and Heads of Payments).
- Translate FlexPay’s BNPL value proposition into clear, compelling outreach that resonates with both technical and business stakeholders.
- Qualify inbound interest to surface pain points, assess fit, and convert into high-quality pipeline.
- Experiment with messaging, sequencing, and targeting to refine our early go-to-market motion.
- Collaborate closely with Sales, Marketing, and Partnerships to align on ICP, narratives, and campaign execution.
- Multi-thread into target accounts and nurture relationships with executives and key decision-makers.
- Maintain CRM excellence — track activity, manage pipeline hygiene, and deliver accurate activity and meeting forecasts.
What We Look For:
- Currently based in Canada, or remote with strong ties to the Canadian market
- Proven experience selling into Canadian customers or accounts
- Strong understanding of the Canadian business landscape, buying behaviour, and market.
- Established network or relationships within key industries or regions in Canada
- Ability to navigate regional differences (e.g., provinces, regulations, or cultural considerations)
- Experience working with Canadian enterprise or mid-market organizations is a plus
What We Offer You:
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
As Senior Director, Travel Partnerships - Canada, you will use your business development background, analytical skills, partner management expertise, and industry knowledge to deepen partnerships and lead segment growth for Flex Pay’s travel partners across the Canada market. You will work as the voice of the partner cross-functionally with our internal teams in order to deliver operational excellence and promote new innovation and growth. You will be a thoughtful leader by gathering feedback and insights from your partners and your team to continuously inform and refresh Flex Pay product position within the value chain.
The candidate must be able to communicate Flex Pay’s unique capabilities to deliver customized payment marketing solutions and be comfortable working in a fast-paced, highly technical environment. This is a strategic role for the right person with experience in fintech/travel industries and B2B2C distribution models.
What You'll Do:
- Oversee and direct Flex Pay’s commercial activities and Account Management team for the Canada market
- Build strong, long-lasting relationships with influential stakeholders with all Canadian clients
- Plan, implement and manage strategic commercial activities and pipeline to short and long term business goals and annual revenue targets
- Develop and maintain strategic account plans for key partners, lead business reviews, and recurring check-ins
- Create & articulate compelling value propositions around Flex Pay’s BNPL solution
- Scope projects, shape engagements, and help define business and product solutions that best satisfy partner needs and achieve their desired business outcomes
- Work collaboratively with internal teams (including account management, product, compliance, analytics, UX and delivery teams) to ensure that Flex Pay is meeting market needs and continuously improving service and product offerings
- Gather, assess and share insights on the Segments of the Travel industry and how best to position Flex Pay (airline, tour op, OTA’s, travel agencies)
- Synthesize and share data-driven industry-specific trends and recommendations
- Represent Flex Pay through participation at events, speaking engagements, industry associations and trade shows
What We Look For:
- Bachelor's Degree in a business, marketing or related field from an accredited college or university; Master's degree a plus
- 10+ years of B2B Commercial or General Management experience
- A thorough understanding the travel ecosystem in Canada
- Demonstrated expertise managing external partner relationships, including business development and growth initiatives - proven ability to interact with and gain the trust of clients
- Understanding of partner revenue management landscape and sales environments
- Ability to orchestrate relationships across marketing, e-commerce, finance, IT and other departments with Flex Pay partners
- Deep focus on data analytics, synthesizing results to identify opportunities, drive initiatives and evaluate effectiveness
- Strong strategy, research, analysis, presentation and negotiation skills
- Proven success navigating technical integrations and SaaS-driven business environments
- Strong proficiency in project planning and the flexibility to adjust to different settings and shifting priorities
- Comfortable operating with a high sense of urgency, enthusiastic about working with diverse and talented teams across geographies, and driven to succeed
- Passionate about engaging and developing talent; attract, develop, engage and retain talented individuals with a compelling, unifying vision that steers and motivates
- Excellent verbal & written communications skills (bilingual English / French a plus)
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
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
The Dealer Development Manager will represent Upgrade Inc (Auto Finance Division) and promote our indirect lending programs. They will develop, maintain, and grow business partnerships between Upgrade Inc. and our dealership partners. The Dealer Development Manager is also responsible for staying up-to-date on local market conditions and industry trends. In this role, you will work with internal partners to find solutions that better serve our customers, and build long lasting relationships with key decision makers to drive growth and continuous improvement.
This position requires residency in the Atlanta, Georgia market.
What You’ll Do:
Dealer Relationship Management
- Develop and maintain relationships with new and existing dealer partners
- Act as a trusted advisor to dealership owners, GMs, and F&I managers
- Conduct regular in-person dealership visits based on a structured drive schedule
- Deliver consistent follow-up and service to ensure dealer satisfaction and loyalty
Dealer Acquisition & Activation
- Identify, onboard, and activate new dealer partners
- Drive dealer sign-ups and first deals (“activation”)
- Re-engage inactive dealers (e.g., no deals in 90 days) and return them to production
- Execute onboarding training to ensure dealers understand programs and systems
Production & Volume Growth
- Achieve monthly funding and application volume goals
- Increase contracts per active dealer and overall territory production
- Focus on growing volume in Tier 3–5 segments while maintaining quality
- Drive penetration targets (e.g., 3+ and 5+ deals per dealer per month)
Credit & Deal Structuring
- Partner closely with underwriting/credit teams to structure deals effectively
- Educate dealers on program guidelines, stips, and deal packaging
- Improve pull-through by coaching dealers on submitting clean, fundable deals
Portfolio Performance & Quality
- Monitor dealer portfolio performance (delinquency, charge-offs, profitability)
- Manage dealer mix to align with company risk appetite and profitability goals
- Shift focus toward preferred collateral and higher-performing dealers
- Ensure adherence to compliance, credit policies, and documentation standards
Training & Dealer Development
- Conduct ongoing product and process training with dealership staff
- Educate dealers on value-added products
- Provide market insights and best practices to improve dealer success
- Position the company as a relationship-driven partner vs. transactional lender
Territory & Activity Management
- Maintain a disciplined weekly drive schedule maximizing in-person dealer time
- Track and manage activity through CRM (e.g., Salesforce)
- Analyze territory performance and adjust strategy based on data
- Participate in team calls, sales meetings, and performance reviews
What We Look For:
- 2+ years of experience in indirect auto finance, auto sales, or related field
- Strong understanding of credit tiers, loan structuring, and dealership operations
- Proven ability to build relationships and drive sales growth
- Excellent communication, negotiation, and problem-solving skills
- Self-motivated with strong time management and territory planning skills
- Ability to travel locally (significant field time required)
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
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
The Dealer Development Manager will represent Upgrade Inc (Auto Finance Division) and promote our indirect lending programs. They will develop, maintain, and grow business partnerships between Upgrade Inc. and our dealership partners. The Dealer Development Manager is also responsible for staying up-to-date on local market conditions and industry trends. In this role, you will work with internal partners to find solutions that better serve our customers, and build long lasting relationships with key decision makers to drive growth and continuous improvement.
This position requires residency in the Portland, Oregon market.
What You’ll Do:
Dealer Relationship Management
- Develop and maintain relationships with new and existing dealer partners
- Act as a trusted advisor to dealership owners, GMs, and F&I managers
- Conduct regular in-person dealership visits based on a structured drive schedule
- Deliver consistent follow-up and service to ensure dealer satisfaction and loyalty
Dealer Acquisition & Activation
- Identify, onboard, and activate new dealer partners
- Drive dealer sign-ups and first deals (“activation”)
- Re-engage inactive dealers (e.g., no deals in 90 days) and return them to production
- Execute onboarding training to ensure dealers understand programs and systems
Production & Volume Growth
- Achieve monthly funding and application volume goals
- Increase contracts per active dealer and overall territory production
- Focus on growing volume in Tier 3–5 segments while maintaining quality
- Drive penetration targets (e.g., 3+ and 5+ deals per dealer per month)
Credit & Deal Structuring
- Partner closely with underwriting/credit teams to structure deals effectively
- Educate dealers on program guidelines, stips, and deal packaging
- Improve pull-through by coaching dealers on submitting clean, fundable deals
Portfolio Performance & Quality
- Monitor dealer portfolio performance (delinquency, charge-offs, profitability)
- Manage dealer mix to align with company risk appetite and profitability goals
- Shift focus toward preferred collateral and higher-performing dealers
- Ensure adherence to compliance, credit policies, and documentation standards
Training & Dealer Development
- Conduct ongoing product and process training with dealership staff
- Educate dealers on value-added products
- Provide market insights and best practices to improve dealer success
- Position the company as a relationship-driven partner vs. transactional lender
Territory & Activity Management
- Maintain a disciplined weekly drive schedule maximizing in-person dealer time
- Track and manage activity through CRM (e.g., Salesforce)
- Analyze territory performance and adjust strategy based on data
- Participate in team calls, sales meetings, and performance reviews
What We Look For:
- 2+ years of experience in indirect auto finance, auto sales, or related field
- Strong understanding of credit tiers, loan structuring, and dealership operations
- Proven ability to build relationships and drive sales growth
- Excellent communication, negotiation, and problem-solving skills
- Self-motivated with strong time management and territory planning skills
- Ability to travel locally (significant field time required)
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
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
The Dealer Development Manager will represent Upgrade Inc (Auto Finance Division) and promote our indirect lending programs. They will develop, maintain, and grow business partnerships between Upgrade Inc. and our dealership partners. The Dealer Development Manager is also responsible for staying up-to-date on local market conditions and industry trends. In this role, you will work with internal partners to find solutions that better serve our customers, and build long lasting relationships with key decision makers to drive growth and continuous improvement.
This position requires residency in the Oklahoma market, servicing parts of Arkansas, Southeast Kansas and Southwest Missouri.
What You’ll Do:
Dealer Relationship Management
- Develop and maintain relationships with new and existing dealer partners
- Act as a trusted advisor to dealership owners, GMs, and F&I managers
- Conduct regular in-person dealership visits based on a structured drive schedule
- Deliver consistent follow-up and service to ensure dealer satisfaction and loyalty
Dealer Acquisition & Activation
- Identify, onboard, and activate new dealer partners
- Drive dealer sign-ups and first deals (“activation”)
- Re-engage inactive dealers (e.g., no deals in 90 days) and return them to production
- Execute onboarding training to ensure dealers understand programs and systems
Production & Volume Growth
- Achieve monthly funding and application volume goals
- Increase contracts per active dealer and overall territory production
- Focus on growing volume in Tier 3–5 segments while maintaining quality
- Drive penetration targets (e.g., 3+ and 5+ deals per dealer per month)
Credit & Deal Structuring
- Partner closely with underwriting/credit teams to structure deals effectively
- Educate dealers on program guidelines, stips, and deal packaging
- Improve pull-through by coaching dealers on submitting clean, fundable deals
Portfolio Performance & Quality
- Monitor dealer portfolio performance (delinquency, charge-offs, profitability)
- Manage dealer mix to align with company risk appetite and profitability goals
- Shift focus toward preferred collateral and higher-performing dealers
- Ensure adherence to compliance, credit policies, and documentation standards
Training & Dealer Development
- Conduct ongoing product and process training with dealership staff
- Educate dealers on value-added products
- Provide market insights and best practices to improve dealer success
- Position the company as a relationship-driven partner vs. transactional lender
Territory & Activity Management
- Maintain a disciplined weekly drive schedule maximizing in-person dealer time
- Track and manage activity through CRM (e.g., Salesforce)
- Analyze territory performance and adjust strategy based on data
- Participate in team calls, sales meetings, and performance reviews
What We Look For:
- 2+ years of experience in indirect auto finance, auto sales, or related field
- Strong understanding of credit tiers, loan structuring, and dealership operations
- Proven ability to build relationships and drive sales growth
- Excellent communication, negotiation, and problem-solving skills
- Self-motivated with strong time management and territory planning skills
- Ability to travel locally (significant field time required)
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
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.
Ready to apply?
Apply to Upgrade
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.
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:
Upgrade is seeking a Director or VP of Investor Credit to serve as a senior credit authority and strategic partner to our Investor Relations and Capital Markets teams. In this role, you will own the credit narrative across Upgrade's consumer lending platform translating complex credit dynamics into clear, credible, and compelling communications for investors, rating agencies, and senior leadership. You will function as an independent voice on credit policy, evaluating policy changes, performance trends, and their implications for loan-level economics including credit losses, prepayments, and IRR.
This is a high-visibility role at the intersection of credit risk, structured finance, and investor engagement. The ideal candidate brings deep expertise in consumer credit analysis and a track record of influencing credit strategy and investor confidence at a fintech originator, specialty finance company, or ABS-focused investment firm.
This is a hybrid role based in our downtown San Francisco office (3 days/week on-site).
What You’ll Do:
- Monitor and communicate credit trends and objectives across Upgrade's multi-product consumer lending platform, spanning personal loans, home improvement loans, indirect auto loans, credit cards, and BNPL
- Track portfolio and investor-level returns relative to targets and drive root-cause analysis on emerging performance trends, synthesizing signals across products, vintages and credit tiers into insights and recommendations
- Serve as an independent reviewer of credit policy changes, providing senior leadership and investor teams with assessments of projected volume and performance impacts
- Partner with the Credit team to develop investor-grade performance reporting, ensuring accuracy, consistency, and strategic clarity across all materials
- Build and maintain strong relationships with investors and rating agencies, serving as a credible technical resource on credit trends, portfolio composition, and underwriting philosophy
- Partner cross-functionally with Credit, Product, and Operations teams to evaluate and communicate the performance implications of operational and policy changes
- Track macroeconomic trends impacting the consumer lending landscape and clearly articulate their implications for Upgrade loan performance and initiatives
What We Look For:
- Bachelor's degree in Statistics, Economics, Mathematics, Computer Science, Engineering, or a related quantitative field; advanced degree preferred
- 8+ years of experience in consumer credit analysis, capital markets, or structured finance, with meaningful exposure to fintech origination platforms or ABS/whole loan investment
- Deep familiarity with consumer lending economics including credit loss modeling, prepayment behavior, vintage analysis, and IRR attribution
- Experience developing investor-level or board-level reporting and presentations
- Ability to operate independently, exercise sound analytical judgment, and communicate complex findings clearly to non-technical audiences
- Proficiency in SQL and Python or R, and experience with Tableau or equivalent BI tool preferred
- Highly organized, intellectually rigorous, and comfortable managing multiple workstreams in a fast-paced environment
What We Offer You:
- Competitive salary
- 100% paid coverage of medical, dental and vision insurance
- Unlimited vacation
- Learning stipend for personal growth and development
- Paid parental leave
- Health & wellness initiatives
The compensation range of this position in San Francisco, CA is USD $200,000-$250,000 annually plus stock options and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.
#LI-Hybrid #BI-Hybrid
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.
Ready to apply?
Apply to Upgrade