Senior Manager, Investor - San Francisco, CA, United States - Upgrade, Inc.

Description

Upgrade is looking for a Senior Manager to oversee our Risk & Investor Analytic.

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, 2-3 times per week in our San Francisco, reporting to our Senior Director, Credit Risk.

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.
7+ years of experience in analytics, preferably consumer credit risk
~ Bachelor's/Master's degree in Statistics, Mathematical Finance, Economics, or related quantitative field
~ 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)

Upgrade is looking for a Senior Analyst to join our Credit & Investor Analytics team in San Francisco.

In this role, you will be working with our Credit Risk team, as well other cross-functional stakeholders on reviewing and maintaining Upgrade's credit policy, strategy and model use across our diverse suite of products.

This is a hybrid role, 2-3 times per week in our San Francisco, reporting to our Senior Director, Credit Risk.

Work closely with Credit Risk team to review and enhance Upgrade's underwriting practice (strategy, credit policy, and model use) to deliver investor target yields.

Monitor credit profile and return/risk performance across products (Personal Loans, Card, Auto, Home Improvement, Travel BNPL) and communicate insights.

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.
Support periodic reporting to executive management, Credit Risk Committee and Upgrade Investor Team.
Obtain subject matter expertise in internal and external data sources and ensure data integrity.
Collaborate with Investor team to support external investor communication on product, segment, and credit policy changes.
2-5 years of experience in analytics, preferably consumer credit risk
~ Bachelor's/Master's degree in Data 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
~ Fintech lender experience preferred

Competitive salary and stock option plan
~100% paid coverage of medical, dental and vision insurance
~ Flexible PTO
~ BI-Hybrid

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To provide compensation, including payroll, and administer stock options and 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 comply with applicable legal or regulatory requirements including state and federal company reporting obligations.
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