Director, Investor Credit

Director, Investor Credit

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we've helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We're backed by some of the most prominent technology investors and were most recently valued at $7.3B.

We're consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World's Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America's Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.

We're looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.

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. The ideal candidate brings deep expertise in consumer credit analysis and a track record of influencing credit strategy and investor confidence at a fintech originator, specialty finance company, or ABS-focused investment firm. 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.