Director, Investor Credit

About the Role: Upgrade is seeking a Director or VP of Investor Credit to serve as a senior credit authority and strategic partner to our Investor Relations and Capital Markets teams. In this role, you will own the credit narrative across Upgrade's consumer lending platform translating complex credit dynamics into clear, credible, and compelling communications for investors, rating agencies, and senior leadership. You will function as an independent voice on credit policy, evaluating policy changes, performance trends, and their implications for loan-level economics including credit losses, prepayments, and IRR. This is a high-visibility role at the intersection of credit risk, structured finance, and investor engagement. This is a hybrid role based in our downtown San Francisco office (3 days/week on-site). What You’ll Do: Monitor and communicate credit trends and objectives across Upgrade's multi-product consumer lending platform, spanning personal loans, home improvement loans, indirect auto loans, credit cards, and BNPL Track portfolio and investor-level returns relative to targets and drive root-cause analysis on emerging performance trends, synthesizing signals across products, vintages and credit tiers into insights and recommendations Serve as an independent reviewer of credit policy changes, providing senior leadership and investor teams with assessments of projected volume and performance impacts Partner with the Credit team to develop investor-grade performance reporting, ensuring accuracy, consistency, and strategic clarity across all materials Build and maintain strong relationships with investors and rating agencies, serving as a credible technical resource on credit trends, portfolio composition, and underwriting philosophy Partner cross-functionally with Credit, Product, and Operations teams to evaluate and communicate the performance implications of operational and policy changes Track macroeconomic trends impacting the consumer lending landscape and clearly articulate their implications for Upgrade loan performance and initiatives What We Look For: Bachelor's degree in Statistics, Economics, Mathematics, Computer Science, Engineering, or a related quantitative field; advanced degree preferred 8+ years of experience in consumer credit analysis, capital markets, or structured finance, with meaningful exposure to fintech origination platforms or ABS/whole loan investment Deep familiarity with consumer lending economics including credit loss modeling, prepayment behavior, vintage analysis, and IRR attribution Experience developing investor-level or board-level reporting and presentations Ability to operate independently, exercise sound analytical judgment, and communicate complex findings clearly to non-technical audiences Proficiency in SQL and Python or R, and experience with Tableau or equivalent BI tool preferred Highly organized, intellectually rigorous, and comfortable managing multiple workstreams in a fast-paced environment What We Offer You: Competitive salary 100% paid coverage of medical, dental and vision insurance Unlimited vacation Learning stipend for personal growth and development Paid parental leave Health & wellness initiatives The compensation range of this position in San Francisco, CA is USD $200,000-$250,000 annually plus stock options 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. #LI-Hybrid #BI-Hybrid For California residents: Upgrade's California Notice 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. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide. #J-18808-Ljbffr