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:
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:
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:
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:
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 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