Senior Analyst, Card Credit Strategy & Analytics
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 $25 billion in affordable and responsible credit to our 2.7M 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 1600 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:
Upgrade is looking for a Senior Analyst in Upgrade Card to manage Credit strategy & analytics. In this role, you will partner with Upgrade Card's acquisition & portfolio management strategy to review and enhance Upgrade Card's strategy that can deliver target investor yields. Upgrade Card is Upgrade's flagship product that is recognized as one of the fastest-growing US credit cards by outstanding balances, according to the Nilson Report.
Please note that this is a hybrid role based in our downtown San Francisco office, with onsite work on Tuesdays and Thursdays.
What You'll Do:
- Work closely with Upgrade Card’s Acquisition or Portfolio management team to review and enhance Upgrade Card's credit strategy using machine learning and predictive modeling.
- Build a deep understanding of Upgrade Card’s business strategy, customers, investors and partners.
- Develop and manage periodic insights & analytics templates to executive management, and Upgrade Investor teams.
- Develop templates and KPI that measures lifetime value of Upgrade’s customer.
- Monitor various A/B tests to understand sensitivity around line and pricing, and make recommendations based on the findings.
- Collaborate with Product, Engineering and BI to find opportunities in improving current KPIs and tracking to optimize funnel and customer experience.
- Utilize advanced statistical techniques, and predictive modeling to analyze large datasets and develop credit risk strategies and influence portfolio management decisions.
- Ability to think critically and creatively to solve complex problems and address challenges in credit strategy and analytics.
What We Look For:
- 2-5 years of work experience in Analytics, Data Modeling, and Data Provisioning (acquisition from various sources, transformation and sharing) role.
- Bachelor's/Master’s degree in Statistics, Mathematical Finance, Economics, Business Analytics or related quantitative or interdisciplinary field.
- Advanced experience in SQL.
- Hands-on experience with Python or R.
- Experience with Tableau and/or other BI/data visualization tools is a plus.
- Interested in learning LLM, GenAI tools.
- Basic knowledge and interest in the data science domain.
- An assertive and motivated leader capable of identifying new opportunities, spearheading projects, navigating uncertainty, and devising inventive solutions with minimal direction.
- Excellent communicator with the ability to discuss / present complex issues in a simple manner.
- Proactive, driven, and ability to work in a fast-paced environment.
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 $120,000 - $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.
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.
By
Upgrade
Come join us if you like to tackle big problems and make a meaningful difference in people's lives. Our goal is to reduce or eliminate fees on everyday transactions and make credit more affordable for millions of families across America. We’ve alr...
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