Senior Manager, Risk & Investor Analytics

About the Role:

Upgrade is looking for a Senior Manager to oversee our Risk & Investor Analytics. In this role, you will be working with our Risk Management and Investor teams to review and enhance Upgrade's underwriting practice to deliver investor target yields. This is a hybrid role in our San Francisco (2-3 times per week ) and reporting to our Senior Director, Credit Risk.

What You'll Do:

• Work closely with Risk Management team to review and enhance Upgrade's underwriting practice (strategy, credit policy, and model use) to deliver investor target yields.
• Collaborate with Upgrade’s Capital Markets (Investor) team to communicate product, segment and credit policy changes to loan buyers and institutional investors.
• Monitor credit profile and return/risk performance across products (Personal Loans, Card, Auto, Home Improvement, Travel BNPL) and communicate insights.
• Support periodic reporting to executive management, Credit Risk Committee and Upgrade Investor Team.
• Back-test credit strategies using historical performance and review impact of credit expansion/tightening.
• Develop loss forecasts to reflect credit policy and/or segmentation changes.
• Obtain subject matter expertise in internal and external data sources and ensure data integrity.

What We Look For:

• 7+ years of experience in analytics, preferably consumer credit risk 
• Bachelor's/Master’s degree in Statistics, Mathematical Finance, Economics, or related quantitative field
• 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
• Good judgment and excellent interpersonal skills
• Detail oriented and strong analytic skill set 
• Advanced experience in SQL
• Hands-on experience with Python, R or SAS
• Experience with Tableau and/or other BI/data visualization tools a plus
• Fintech lender/Structured finance experience a plus
• Willingness to travel (up to 10% of the time)

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 USD $150,000 - $180,000 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

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