Credit Risk

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We are seeking an Analyst/Sr Analyst to join an innovative & fast-growing Credit Risk & Investor Analytics team within the Travel BNPL vertical at Upgrade, a leading fintech company specializing in consumer finance. In this position, you will play a pivotal role in risk assessment of applicants and ensuring responsible lending practices. Your insights and recommendations will directly influence our ability to provide accessible and fair financial solutions to our customers. Uplift is at the forefront of innovation in the travel BNPL industry, committed to providing transparent and consumer-friendly financial solutions. Join our team and contribute to reshaping how consumers manage their finances responsibly while enjoying the flexibility of Buy Now Pay Later services.

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:

Design & implement strategies and analytical frameworks to evaluate applicant risk using various financial data sources/ proprietary scoring models and underwriting guidelines.Document and assist team in automating analytical frameworks and processes.

Collaborate with other departments including Sales, Engineering, Product, Operations, Finance, and Legal to streamline processes and enhance customer experience.Monitor performance and profile at a merchant level to drive insights/decisions around merchant pricing and underwriting policy.

What We Look For:

Bachelor’s degree in Finance, Economics, Business Administration, Statistics, Computer Science or a related field1+ years of proven experience in Analytics domain in an at scale technology start-up or high growth company, preferably in consumer lending or BNPL. Working knowledge in SQL and R/Python required, Tableau preferred. Comfortable working with Microsoft Office Suite, and desire to explore new tools and methodologies Strong analytical skills with the ability to interpret & visualize complex data and draw meaningful conclusions.Meticulous attention to detail in reviewing documentation and assessing credit risk.Knowledge and experience in statistical procedures, decision trees, and financial analysis tools.Excellent verbal and written communication skills to effectively convey credit decisions and recommendations.Ability to thrive in a fast-paced environment and manage multiple priorities effectively.

What We Offer You:

Competitive salary and stock option plan100% paid coverage of medical, dental, and vision insuranceFlexible PTOOpportunities for professional growth and developmentPaid parental leaveHealth & wellness initiative

The compensation range of this position in San Francisco, CA is USD $110,000 - $130,000 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: describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.