Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $31 billion in affordable and responsible credit to our 5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We’ve also received recognition 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 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people’s lives.

About the Role:

The Regional Credit Manager will oversee and manage the Credit Department’s indirect lending for both franchised and independent automobile dealerships. They will hire, train, and coach their teams to be effective underwriters while building new and fostering existing relationships with their clients. The Regional Credit Manager will also keep Sales Representatives, Loan Processing, and other management teams briefed on market conditions, insights, and dealership concerns.

What You’ll Do:

Train and continuously coach their team to be effective loan underwriters by offering constructive feedback
Work with their Sales Management teams to obtain current data, market and industry trends to minimize lending risk levels
Provide a high level of service and manage the influx of work in a timely manner
Remain informed on local economies and market risk to adjust lending practices accordingly
Identify and resolve problems by analyzing information skillfully to develop alternative solutions in a prompt timeframe

What We Look For:

7+ years of experience in auto financing, credit management, financial services or a related field
Strong leadership and management experience to help their teams meet business objectives, as well as individual career goals
Excellent verbal communication and presentation skills that are clear, persuasive, and positive in various settings
Flexible mindset and the ability to deal with ambiguity in challenging situations
Persistence and confidence to make key business decisions under pressure to drive positive lending outcomes
Openness to feedback and ability to foster a positive work environment

What We Offer You:

Competitive salary and stock option plan
100% paid coverage of medical, dental, and vision insurance
Flexible PTO
Opportunities for professional growth and development
Paid parental leave
Health & wellness initiatives

#BI-Hybrid #LI-Hybrid

For California residents: Upgrade’s CaliforniaNotice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

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.

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