Analyst / Sr. Analyst (Data Scientist), Credit Risk Management

Upgrade is a fintech unicorn founded in 2017. We are the fastest-growing company in the Americas (Financial Times). In the last five years, over 15 million people have applied for an Upgrade card or loan, and we have delivered over $10 billion in affordable and responsible credit. Our innovative Upgrade Card is the fastest growing credit card in America (Nilson Report). Combining the flexibility of a credit card with the low cost of an installment loan helps us redefine banking.
Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, one of the “Top Companies to work for in Arizona”, and we have received awards 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 900 talented and passionate professionals. Come join us if you like to tackle big problems and make a meaningful difference in people's lives.

Responsibilities:

• Work closely with Sr. Director of Risk Management to review and enhance Upgrade's underwriting practice (strategy, credit policy, and model use) to achieve results within Upgrade's credit risk tolerance
• Develop and implement data-driven strategies using statistical tools
• Partner with senior team members to identify delinquency/loss trends and develop credit policies to optimize investor returns
• Back-test credit strategies using historical performance and review impact of credit expansion/tightening
• Monitor return and risk performance of the Personal Loans portfolio and communicate insights. 

Skills:

• Bachelor's degree with 1-3 years of experience in in portfolio/risk analytics, preferably at a financial institution (or Master’s degree in Data Science/Analytics, Mathematical Finance, Economics, or a related quantitative field)
• Strong programming skills in Python and/or R
• Advanced experience in SQL
• Experience with Tableau or other BI/data visualization tools a plus
• Detail oriented and strong analytical skill set
• Proactive, driven, and ability to work in a fast-paced environment
• Fintech lender experience a plus

Benefits / Perks:

• Designer office with amazing views of the bay!  
• Comprehensive benefit package: medical, dental, and vision.
• Unlimited vacation policy.
• Flexible working environment.
• Conveniently located in San Francisco Financial District.
• Close to BART and public transportation.
• Kitchen stocked with beverages, snacks and treats.
• In office game rooms, yoga room, and abundance of lounge space.
• Monthly social gatherings.

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.
California Employee Privacy Notice Effective Date: 1/1/2020Notice to Applicants for Employment, Employees, and Contractors:This California Employee Privacy Notice is intended to provide California consumers who are employed or apply for employment or a contractor position with Upgrade information about the categories of personal information Upgrade collects and how the company uses this information. For any questions about this notice, please contact ccpa@upgrade.com.- Personal Information Upgrade Collects: Identifying information: including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Information you provide as a part of a job application or from a background check performed after a job offered is extended, including employment, education, credit, and criminal history. Data on work productivity and performance, including hours worked, electronic network activity, and tasks performed. - Purposes for Collecting Personal Information: To consider applications for employment. To complete payments, including payroll, expense reimbursement, other compensation-related payments, and the administration of stock options. To administer benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.