Full-Time

Regional Credit Manager

Posted on 7/9/2024

Upgrade

Upgrade

1,001-5,000 employees

Provides loans, credit cards, and rewards

Fintech
Financial Services

Senior, Expert

Atlanta, GA, USA

Hybrid position.

Category
Corporate Finance
Financial Planning and Analysis (FP&A)
Risk Management
Finance & Banking
Required Skills
Sales
Communications
Management
Requirements
  • 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
Responsibilities
  • 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

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. What makes Upgrade different is its focus on affordable and flexible credit solutions, along with incentives for responsible financial behavior. The company's goal is to provide accessible credit options that promote long-term financial health.

Company Stage

Series F

Total Funding

$532.1M

Headquarters

San Francisco, California

Founded

2016

Growth & Insights
Headcount

6 month growth

1%

1 year growth

0%

2 year growth

0%
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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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401(k) Company Match

Unlimited Paid Time Off

Paid Parental Leave

Health & wellness initiatives

INACTIVE