Job details

Credit Analyst

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.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 role position and may require you to be available to work on weekends.What You’ll Do:• Receive and underwrite auto loans for new and used vehicles• 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• Asses 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 regulationsWhat 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 obstaclesWhat 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#LI-Hybrid #BI-HybridFor 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 Glassdoor Company Review

3.8

Upgrade DE&I Review

No rating

CEO of Upgrade

Renaud Laplanche

Approve of CEO

Average salary estimate

$90000 / YEARLY (est.)

min

max

$80000K

$100000K

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What You Should Know About Credit Analyst, Upgrade

Upgrade is seeking a dynamic Credit Analyst to join our vibrant team in Texas. As a fintech company known for our innovative credit products and mobile banking solutions, we pride ourselves on delivering responsible credit to everyday consumers. Recognized as one of the fastest growing companies in the Americas, we believe that our team members are key to our success. In this role, you will be instrumental in underwriting and processing auto loan applications submitted by our dealer partners. Analyzing each applicant's creditworthiness, risk, and compliance, you’ll ensure that we uphold our lending policies while navigating various challenges that may arise during the funding process. You'll build strong relationships with both external clients and internal teams, negotiating effectively and providing alternative solutions when dealership concerns arise. Upgrade fosters a collaborative and inclusive culture, encouraging you to learn and innovate alongside your colleagues. If you thrive on tackling big problems and want to make a meaningful difference in people's lives, then you’ll find your home with us. Join Upgrade, where we not only drive financial solutions but also foster a supportive community.

Frequently Asked Questions (FAQs) for Credit Analyst Role at Upgrade

What are the primary responsibilities of a Credit Analyst at Upgrade?

As a Credit Analyst at Upgrade, your main responsibilities include underwriting and processing new auto loan applications, analyzing credit worthiness, pricing loans according to market risk, and resolving any issues that arise during the funding process. You will build and maintain relationships with auto dealer partners and other stakeholders to ensure efficient loan processing.