Full-Time

Recovery Specialist

Auto Collections

Confirmed live in the last 24 hours

Upgrade

Upgrade

1,001-5,000 employees

Offers personal loans, credit cards, rewards accounts

Fintech
Financial Services

Junior, Mid

Phoenix, AZ, USA

Category
Risk Management
Finance & Banking
Requirements
  • A flexible mindset – as a start-up, we are growing quickly and you may need to adapt to changing policies and procedures while maintaining high-quality work output.
  • Excellent time management and work prioritization skills while managing multiple projects.
  • Capable of completing assigned tasks with careful attention to detail.
  • Ability to thrive in a dynamic, fast-paced and changing environment with ease and with minimal supervision.
  • Excellent verbal and written communication skills with the ability to work effectively with a wide range of people.
  • Proven track record of meeting and exceeding production and quality expectations.
  • 2+ years of experience in skip tracing within an auto finance environment.
  • Familiar with repossession and skip tracing laws.
Responsibilities
  • Confers with customers by telephone in an attempt to collect current and past due payments, determines the reason for delinquency, and updates customer information.
  • Confirms account holder by following safeguards procedures on every call.
  • Adheres to collection standards of conduct policy on all accounts including third parties.
  • Adheres to all federal and state collections laws.
  • Utilizes collection skip tools to locate accounts leading to resolution.
  • Recommend accounts for repossession or legal action.
  • Maintains delinquent rates at or below objectives.
  • Meet daily and weekly production goals (Calls, repossessions, and dollars collected).
  • Compliance with all company policies and procedures.
  • All other duties assigned.

Upgrade offers personal loans, credit cards, and rewards checking accounts to help individuals manage their finances. Their personal loans allow borrowing up to $50,000 with fixed rates and no prepayment penalties, while the Upgrade Card provides cash back rewards on various spending categories. Upgrade stands out by focusing on affordability and user-friendly features, generating revenue through interest and merchant fees. The company's goal is to provide accessible credit options that encourage responsible financial behavior.

Company Stage

Series F

Total Funding

$532.1M

Headquarters

San Francisco, California

Founded

2016

Growth & Insights
Headcount

6 month growth

7%

1 year growth

30%

2 year growth

49%
Simplify Jobs

Simplify's Take

What believers are saying

  • Expansion into auto loans diversifies Upgrade's product offerings.
  • Acquisition of Uplift strengthens Upgrade's position in travel financing.
  • Partnership with Finturf enhances home improvement financing options.

What critics are saying

  • Expansion into auto loans increases exposure to credit risk.
  • Crowded BNPL market may pressure margins for Uplift acquisition.
  • Investment in new office space may strain resources if growth falters.

What makes Upgrade unique

  • Upgrade offers a unique blend of credit and banking products.
  • The Secured OneCard targets consumers with little or no credit history.
  • Partnership with FairPlay enhances fairness in lending practices.

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