Senior Analyst, Credit Risk

About the Role:

Upgrade is looking for a Senior Analyst to to join our Risk & Investor Analytics team. In this role, you will be working with our Credit Risk team to review and enhance Upgrade's underwriting practice. 

This is a hybrid role in our San Francisco (2-3 times per week ) and reporting to our Senior Director, Credit Risk.

What You'll Do:

• Work closely with Credit Risk team to review and enhance Upgrade's underwriting practice (strategy, credit policy, and model use) to deliver
  investor target yields.
• Monitor credit profile and return/risk performance across products (Personal Loans, Card, Auto, Home Improvement, Travel BNPL) and
  communicate insights.
• Back-test credit strategies using historical performance and review impact of credit expansion/tightening.
• Develop loss forecasts to reflect credit policy and/or segmentation changes.
• Support periodic reporting to executive management, Credit Risk Committee and Upgrade Investor Team.
• Obtain subject matter expertise in internal and external data sources and ensure data integrity. 
• Collaborate with Investor team to support external investor 
  communication on product, segment, and credit policy changes.

What We Look For:

• 2-5 years of experience in analytics, preferably consumer credit risk
• Bachelor's/Master’s degree in Data Analytics, Mathematical Finance, Economics, or a related quantitative field
• Strong programming skills in Python and/or R
• Advanced experience in SQL
• Experience with Tableau or other BI/data visualization tools
• Detail oriented and strong analytical skill set
• Proactive, driven, and ability to work in a fast-paced environment
• Fintech lender experience preferred

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 $100,000 - $140,000 USD 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.

Skills: