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 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:
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