Senior Business & Data Analyst

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 We are looking for a Senior Business and Data Analyst who wants to help build something, not just run it. You will serve as a strategic analytics partner to business leaders across Flex Pay and the broader Upgrade commercial organization. That means owning executive-level deliverables, shaping how the team operates, and having a real say in where analytics goes next. You will transform complex data into clear, actionable insights, drive smarter decisions, improve operational performance, and shape business strategy through analytics. What You’ll Do: Analytics and Business Intelligence Conduct advanced data analysis, mining, and trend identification to surface meaningful business insights. Develop and maintain KPIs, performance management frameworks, and data quality standards. Perform root cause analysis, statistical hypothesis testing, and predictive and prescriptive analytics. Own data governance and quality assessment practices. SQL and Data Engineering Write and optimize complex SQL queries using CTEs, window functions, joins, and stored procedures. Design and maintain data models, ETL/ELT pipelines, and data warehouse structures. Perform data validation, reconciliation, and transformation to ensure analytical accuracy. Forecasting and Reporting Measure and continuously improve forecast accuracy using trend analysis, seasonality analysis, and statistical methodologies. Develop scenario models to support strategic decisions. Design executive dashboards, scorecards, and interactive reports that tell a clear story. Own QBR preparation and deliver findings directly to senior leadership, including the executive team. You will translate analytical work into business narratives that influence real decisions at the company level. Build automated reporting solutions that scale across the organization. Business Partnership and Executive Communication Partner with stakeholders to gather requirements, document processes, and align on priorities. Present technical analysis to C-suite leaders as business narratives and strategic recommendations. Facilitate meetings, lead cross-functional collaboration, and support change management initiatives. What We Look For: Advanced SQL proficiency including complex joins, CTEs, window functions, and query optimization. Experience with Tableau, Microsoft Excel, Redshift, and Databricks. You use AI tools like Claude or ChatGPT as a real part of your analytical workflow, not as a novelty. You know when to use them, how to verify their output, and how to integrate them into how you work. Strong foundation in statistical analysis, forecasting methodologies, and data modeling. Familiarity with ETL/ELT concepts and data warehouse design. Skilled at connecting metrics to business outcomes and identifying key performance drivers. What We Offer You: Competitive salary 100% paid coverage of medical, dental and vision insurance Flexible PTO Competitive 401(k) 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-$125,000 plus equity and benefits. Within this range, an individual's pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience. #LI-Remote 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. 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. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.