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.

The Opportunity

Growth is where Upgrade turns its mission into new customer relationships, and we're looking for a Senior Product Designer to join our amazing team of designers, product managers, marketers, and engineers. Reporting to the VP of Design, you’ll work on Upgrade’s newest products, including Boost Money™, BoostCash™, our mobile banking products, and new AI initiatives. You'll play a central role in how customers discover us, sign up, and come back: from their first BoostCash™ advance, to a successful direct deposit switch, and all the way to their first cash-back reward. This is high-impact work, where thoughtful design directly helps customers move in the right direction with their money.

You'll work on projects like onboarding and eligibility, offer presentation, subscription conversion, and direct deposit switching. You'll also shape the end-to-end experience of an AI agent that takes care of the tedious work for our customers. We’ll measure ourselves by activation, conversion, and retention, and earn those numbers by continuously improving the experience on the customer's behalf. This role is perfect for someone who thrives on ownership, moves fast, and wants to see their work make a positive impact on our customers’ financial journeys.

Please note that this role is based in San Francisco, and you'll be coming into the office on Tuesdays and Thursdays as well as for company events. We will not convert this role to remote in the future.

What You'll Do

• Own product design for Boost Money™, BoostCash™, our mobile banking products, and new AI initiatives.
• Partner with Product, Marketing, Engineering, and Legal teams to turn exploratory concepts into actionable flows, prototypes, and polished experiences that ship to customers.
• Ship, test, and iterate on design work that grows activation, conversion, and retention, and with them our base of funded, active customers.
• Make eligibility, fees, and repayment clear the first time. Our best-performing designs are the ones customers don't have to call support about.
• Manage several projects at once across product lines and keep stakeholders aligned.
• Contribute to and maintain the Upgrade Design System, ensuring consistency, quality, and efficiency across Upgrade’s platform of products and services.
• Mentor junior designers on Figma best practices and on AI and automation, and help strengthen our team's process and culture.

What We Look For

• 6+ years of experience in product design with a consumer mobile focus, and a track record of owning the user experience end to end, from strategy to production, in collaboration with Product, Marketing, and Engineering.
• Excels in an agile environment with many stakeholders, with a bias for action, collaboration, and doing the right thing.
• Self-directed, detail-oriented, and comfortable managing multiple projects at once.
• Expert Figma skills with experience mentoring junior designers on best practices.
• Experience in fintech or another regulated consumer space; comfortable designing where legal, compliance, and privacy reviews shape the customer experience.
• Strong case studies on shipped work that demonstrate business impact as an individual contributor.
• Polished communication skills: you explain rationale clearly and bring a principled point of view to discussions about design and the customer experience.
• AI is already part of your process: your portfolio includes at least one project where AI and automation changed how you designed, organized, or collaborated with stakeholders on your work.
• Eager to work in person in our San Francisco office two days a week.
• Bonus: Experience with cash advance, subscription, banking, credit, or AI-assisted consumer experiences.

The compensation range of this position in San Francisco, CA is USD $140,000 - $160,000 annually 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.

#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.

Environmental & Working Conditions

Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations.

Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives.

The role requires the ability to receive and exchange information with customers, peers, supervisors, and cross-functional partners through available communication channels, which may include meetings, email, phone, and digital collaboration tools, and may involve real-time, verbal, or in-person exchanges depending on business need.

Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position.

Work may be performed in a contact center, office, or remote environment, depending on business needs and the nature of the role. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise typical of customer service or operational settings.

Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information.

Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position in accordance with the Americans with Disabilities Act (ADA) and applicable state and local laws.

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.