Director, Credit Risk & Analytics, BNPL

at Upgrade

San Francisco, United States

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7 million customers access over $40 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 $6.3B.

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 seeking a Director, Credit Risk & Analytics to join our innovative & fast-growing FlexPay (BNPL) team at Upgrade, a leading fintech company specializing in consumer finance. In this position, you will lead the strategy of risk assessment of applicants and ensure responsible lending practices. The ideal candidate will have experience being hands-on to great detail with consumer risk in the retail space.

This will be a hybrid role and will require you to go into our San Francisco office 3 times a week.

What You’ll Do:

Own & implement the overarching credit risk strategy and analytical frameworks.
Develop an underwriting philosophy in conjunction with the business’s goals.
Lead the development of our BNPL pricing and offer strategy. Determine optimal pricing tiers, adjust credit limits, and set offer parameters that balance risk exposure with conversion and revenue goals.
Oversee the entire BNPL portfolio, developing sophisticated monitoring systems to track performance by merchant, customer segment, and product type. Provide critical insights to executive leadership on profitability, risk trends, and opportunities for growth.
Ensure compliance with regulatory requirements and internal policies throughout the underwriting process.
Document and automate analytical frameworks and processes to reduce onboarding times for new team members as we grow.
Collaborate with other departments including Sales, Engineering, Product, Operations, Finance, and Legal to streamline processes and launch new products.

What We Look For:

7+ years of proven experience in the Analytics domain in an at-scale technology, start-up or high-growth company, preferably with 3+ in short to mid-duration installment loans in Retail sector.
Bachelor’s degree required (preferably in Finance, Economics, Business Administration, Statistics, Computer Science or a related field).
Familiarity with credit risk management principles, regulatory requirements, and industry best practices. Knowledge and experience in statistical procedures, decision trees, and financial analysis tools.
Strong analytical mindset with a passion for solving complex, data-driven problems.
Meticulous attention to detail in reviewing documentation and assessing credit risk.
Excellent verbal, visual and written communication skills to effectively convey credit decisions and recommendations.
Proactive leader in an evolving, fast-paced market and able to manage multiple priorities effectively.
Strong collaborator and team player who can work cross-functionally to achieve business goals.
Working knowledge in SQL and R/Python required, Tableau preferred. Comfortable working with Microsoft Office Suite. Experience exploring new tools and methodologies to solve real-world problems.

What We Offer You:

Competitive salary and stock option plan
100% paid coverage of medical, dental and vision insurance
Flexible PTO
Competitive 401(k) and RRSP program
Opportunities for professional growth and development
Paid parental leave
Health & wellness initiatives

The compensation range of this position is USD $180,000 - $200,000 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.

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.