Senior Financial Analyst, BNPL
at Upgrade
San Francisco, United States
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:
Join Upgrade as a Senior Financial Analyst and help us shape the future of Buy Now, Pay Later. This is a high-impact role based in our San Francisco office, where you'll directly drive the growth of Flex Pay, our innovative BNPL (Buy Now, Pay Later) product. If you're a curious, metrics-driven finance professional with 4+ years of experience and a strong interest in the fintech and BNPL space, this is your chance to make a significant impact at a fast-growing company.
This is a hybrid role based in our San Francisco, HQ office.
What You’ll Do:
- Own the financial story. Develop and manage comprehensive financial models, forecasts, and dashboards to support strategic decision-making and product planning for our Flex Pay product.
- Drive growth and efficiency. Dive into revenue, expense, and operational data to deliver actionable insights that uncover opportunities for growth and cost optimization.
- Partner with the business. Work directly with product, marketing, engineering, and other teams to assess the financial impact of new initiatives and product launches.
- Elevate financial reporting. Prepare and present critical financial reports, including variance analysis and KPI tracking, to key stakeholders and leadership.
- Build from the ground up. Take ownership of ad hoc projects and new business opportunities, creating financial models and processes from scratch.
What We Look For:
- Experience. 4+ years of experience in a fast-paced environment like fintech, financial services, or a similar field. You have a solid foundation in financial modeling, forecasting, and analysis.
- Domain interest. A strong passion for and interest in FinTech and the BNPL landscape.
- Data proficiency. Strong SQL skills are a must. Experience with data visualization tools like Tableau is a plus. Experience with FP&A software like Pigment is preferred.
- Ownership mindset. You are a proactive self-starter who thrives on solving complex problems. You have a natural curiosity and an eye for detail, and you're not afraid to challenge the status quo.
- Communication. You can translate complex financial concepts into clear, concise insights for both technical and non-technical audiences.
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 in San Francisco, CA is USD $90,000-$110,000 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.
#BI-Hybrid #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.
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.