other
Posted Mar 20Director, Investor Credit
at Upgraded
San Francisco, United StatesOn-site
Responsibilities
- Monitor and communicate credit trends and objectives across Upgrade's multi-product consumer lending platform, spanning personal loans, home improvement loans, indirect auto loans, credit cards, and BNPL
- Track portfolio and investor-level returns relative to targets and drive root-cause analysis on emerging performance trends, synthesizing signals across products, vintages and credit tiers into insights and recommendations
- Build and maintain strong relationships with investors and rating agencies, serving as a credible technical resource on credit trends, portfolio composition, and underwriting philosophy
- Track macroeconomic trends impacting the consumer lending landscape and clearly articulate their implications for Upgrade loan performance and initiatives What We Look For:
Requirements
- Bachelor's degree in Statistics, Economics, Mathematics, Computer Science, Engineering, or a related quantitative field; advanced degree preferred 8+ years of
- experience in consumer credit analysis, capital markets, or structured finance, with meaningful exposure to fintech origination platforms or ABS/whole loan investment
- Deep familiarity with consumer lending economics including credit loss modeling, prepayment behavior, vintage analysis, and IRR attribution •
- Experience developing investor-level or board-level reporting and presentations
- Ability to operate independently, exercise sound analytical judgment, and communicate complex findings clearly to non-technical audiences
- Proficiency in SQL and Python or R, and
- experience with Tableau or equivalent BI tool preferred
- English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.
Benefits
- Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit.
- We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.
- You will function as an independent voice on credit policy, evaluating policy changes, performance trends, and their implications for loan-level economics including credit losses, prepayments, and IRR.