Full-Time

Credit Analyst

Confirmed live in the last 24 hours

Upgrade

Upgrade

1,001-5,000 employees

Provides loans, credit cards, and rewards

Fintech
Financial Services

Senior

Fort Worth, TX, USA

This is a hybrid role and may require weekend availability.

Category
Risk Management
Finance & Banking
Required Skills
Data Analysis
Requirements
  • 5+ years of experience in financial services, credit management, auto industry or a related field
  • Attention to detail when dealing with individual customer loans and credit files
  • Professionalism, ownership, and the ability to work under pressure in challenging situations
  • Ability to collaborate with others and work in a team environment
  • Excellent verbal and written communication, as well as strong presentation skills
  • Highly motivated to set and achieve challenging goals while demonstrating persistence through obstacles
Responsibilities
  • Receive and underwrite auto loans for new and used vehicles
  • Price loan approvals according to market and risk
  • Create relationships with auto dealer partners and negotiate with external clients
  • Build strong relationships with our internal Dealer Development partners and teams, as well as various stakeholders
  • Resolve dealership concerns and existing loan issues that may arise by providing alternative solutions while using reason when dealing with emotional topics
  • Asses loan documents and third party data to make informed lending decisions
  • Work with the Operations Team to resolve issues that may arise during the funding process
  • Stay up to date with current economic trends and industry regulations

Upgrade offers financial products like 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. What makes Upgrade different is its focus on affordability and user-friendly features, encouraging responsible financial behavior. The company's goal is to provide accessible credit options that promote long-term financial health for its customers.

Company Stage

Series E

Total Funding

$357.2M

Headquarters

San Francisco, California

Founded

2016

Growth & Insights
Headcount

6 month growth

7%

1 year growth

32%

2 year growth

52%
Simplify Jobs

Simplify's Take

What believers are saying

  • Upgrade's rapid growth and expansion into new markets, such as auto loans and home improvement financing, indicate strong business momentum and opportunities for career advancement.
  • The launch of the Secured OneCard opens up new customer segments, providing a pathway for individuals with little or no credit history to build their credit responsibly.
  • The company's significant investment in new office space in Irvine, California, reflects its commitment to scaling operations and expanding its workforce.

What critics are saying

  • The crowded fintech market means Upgrade must continuously innovate to maintain its competitive edge and customer base.
  • Expansion into new product lines, such as auto loans, carries the risk of operational challenges and potential regulatory scrutiny.

What makes Upgrade unique

  • Upgrade offers a unique combination of personal loans, credit cards, and rewards checking accounts, providing a comprehensive suite of financial products that cater to various consumer needs.
  • Their focus on affordability and flexibility, such as no prepayment penalties on loans and competitive cash back rewards, sets them apart from traditional financial institutions.
  • The partnership with FairPlay to incorporate Fairness-as-a-Service solutions enhances their commitment to fair lending practices, distinguishing them in the fintech space.

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