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 $33 billion in affordable and responsible credit to our 5.5M 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 1850 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:
This is a high-impact role on the Data & BI Product team at Upgrade, working across all of Upgrade’s consumer lending products to deliver insights and improve how data powers decision-making across the business. You’ll work with data from loan offers, credit applications, underwriting, servicing, and repayment to uncover trends, resolve data issues, and improve customer and investor experiences.
You'll play a key role in monitoring data health, investigating anomalies, and partnering with cross-functional teams to enhance internal data platforms, support product analysis, and drive product improvements across Upgrade’s fintech ecosystem.
What You’ll Do:
- Act as a core member of the Data & BI Product team, working horizontally across Upgrade’s products like personal loans, credit cards, BNPL, and servicing platforms to drive high-impact data initiatives.
- Investigate, root-cause, and resolve internal and external data issues by analyzing complex systems, pipelines, and customer/investor flows — bridging gaps between product, engineering, and operations.
- Partner closely with stakeholders across Credit, Marketing, Compliance, Investor Ops, and Servicing to translate business needs into scalable data solutions, insights, and process enhancements.
- Perform analysis and monitoring of key performance metrics across the entire customer lifecycle from pre-approval and decisioning to post-issuance servicing and collections enabling informed product and operational decisions
- Help shape the evolution of Upgrade’s internal data products by identifying usability gaps, uncovering data quality challenges, and contributing to backlog definition through analytical validation
- Design and maintain key data documentation, metric definitions, and validation frameworks that promote consistent usage and governance across reporting and analytics consumers
- Collaborate with Engineering teams to improve data sanity, availability, and lineage across multiple systems and environments.
What We Look For:
- Minimum 2 years of experience in data analytics, product data, or business intelligence roles
- Bachelors or Masters Degree preferably in Analytics, Information Management, Computer Systems or similar fields
- Proficient in SQL & Python; capable of writing and optimizing complex queries on large datasets
- Hands-on experience with Tableau/PowerBI/Looker or similar tools for reporting, monitoring, and data storytelling
- Strong business acumen, preferably in finance and lending - this is a plus, not a requirement
- Strong analytical skills with a focus on root cause analysis, data quality, and actionable insights
- Proven track record of cross-functional collaboration with Product, Engineering, Operations & Marketing
What We Offer You:
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Competitive 401(k) and RRSP program
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
The compensation range of this position in San Francisco, CA is USD $100,000 - $120,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.
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.
Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement.
Top Skills
Upgrade, Inc. Irvine, California, USA Office
210 Commerce, Irvine, CA, United States, 92602
Similar Jobs at Upgrade, Inc.
What you need to know about the Los Angeles Tech Scene
Key Facts About Los Angeles Tech
- Number of Tech Workers: 375,800; 5.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Snap, Netflix, SpaceX, Disney, Google
- Key Industries: Artificial intelligence, adtech, media, software, game development
- Funding Landscape: $11.6 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Strong Ventures, Fifth Wall, Upfront Ventures, Mucker Capital, Kittyhawk Ventures
- Research Centers and Universities: California Institute of Technology, UCLA, University of Southern California, UC Irvine, Pepperdine, California Institute for Immunology and Immunotherapy, Center for Quantum Science and Engineering
