Upgrade, Inc.

About the Company

Upgrade is a fintech unicorn founded in 2017. Since then we've helped customers access over $39 billion in consumer credit, with millions of families across America using a credit line, personal loan, or Rewards Checking or Premier Savings account through Upgrade.

We are looking for new team members who get excited about designing and delivering new and better products. Come join us if you like to tackle big problems and make a meaningful difference in people's lives! Our innovative Upgrade Card has been the fastest growing credit card in America (Nilson Report) for two years in a row. We've been named a "Best Place to Work in the Bay Area" for the last three years, as well as one of the "Top Companies to work for in Arizona" in 2021 and 2022. We've also been recognized as a best company for Diversity, Women, Veterans, Culture, Compensation, Engineering, and Overall Outlook by team members on Comparably.

Listed Jobs

Company Name

Upgrade, Inc.

Job Title

Operations Intern - Underwriting & Risk

Job Description

**Job title** Operations Intern – Underwriting & Risk **Role Summary** Provide support to the North American Operations team by reviewing merchant applications, onboarding new contractors, and conducting initial risk assessments on the Upgrade Home Improvement platform. The intern will assist the Underwriting and Risk teams in document verification, vendor due diligence, and cross‑functional collaboration with Legal, Compliance, Product, and Credit. **Expectations** - Learn core underwriting and risk‑management processes within a fintech start‑up. - Process and verify merchant documentation accurately and efficiently. - Participate in risk‑based reviews and maintain up‑to‑date records of higher‑risk merchants. - Communicate effectively with merchants, banking partners, and internal stakeholders. - Contribute to projects that improve processor throughput and risk controls. **Key Responsibilities** - Gather, review, and verify merchant application documents. - Contact merchants via phone/email to obtain missing information and clarify queries. - Assist with onboarding steps: email verification, staged funding details, responsible party data, and bank account confirmation. - Attend joint calls with merchants and banking partners to confirm account information. - Screen vendor requests and conduct initial risk assessments; compile risk summaries. - Support due diligence collections and organization of merchant documentation. - Maintain accurate records for ongoing oversight of higher‑risk merchants. - Coordinate with Sales, Underwriting, Legal, Compliance, Product, and Credit teams. **Required Skills** - Excellent detail orientation and organizational skills. - Clear written and verbal communication in English. - Ability to manage multiple tasks and deadlines in a fast‑paced environment. - Proactive, team‑first mindset with willingness to adapt to shifting priorities. - Analytical thinking and interest in finance, risk, or compliance operations. **Required Education & Certifications** - Currently pursuing or recently completed a degree in Business, Finance, Economics, Operations, or a related field. - Proficiency in Microsoft Office or Google Workspace. ---

Atlanta, United states

On site

Fresher

12-02-2026

Company Name

Upgrade, Inc.

Job Title

Product Data Analyst, Servicing

Job Description

Job Title: Product Data Analyst, Servicing Role Summary: Data‑driven analyst focused on servicing functions, collaborating across product, engineering, and operations teams to streamline reconciliation processes, analyze borrower data, troubleshoot defects, and define new servicing features and documentation. Expectations: - 1–3 years of relevant experience, preferably in financial services or data analytics. - Advanced proficiency in SQL and Python. - Experience with relational databases and visualization tools (Tableau preferred). - Strong written and verbal communication skills; ability to translate qualitative and quantitative data into actionable insights. - Entrepreneurial mindset, ownership of end‑to‑end solutions, and ability to navigate fast‑paced environments. - Proven stakeholder management and conflict resolution across cross‑functional teams. - Adaptability to shifting priorities and changing task scopes. - Prior experience with servicing systems is a plus. Key Responsibilities: - Synthesize data and streamline reconciliation workflows across pipeline teams. - Deliver actionable findings and partner with product managers to prioritize solutions. - Analyze borrower data and stakeholder requests to identify and prioritize product defects. - Troubleshoot issues, develop immediate workarounds, and determine long‑term fixes. - Define new features and servicing processes with technical specifications, wireframes, product flows, and procedures. - Assist in creating system and operational documentation. Required Skills: - SQL (advanced), Python (advanced) - Relational database management (e.g., PostgreSQL, MySQL) - Data visualization (Tableau preferred) - Data synthesis and analytical reasoning - Strong communication and stakeholder engagement - Problem‑solving and ownership mindset - Adaptability and priority management Required Education & Certifications: - Bachelor’s degree in Computer Science, Data Science, Statistics, Finance, or a related field. - Optional certifications: SQL, Python, Tableau, or other data analytics credentials.

San francisco, United states

Hybrid

Fresher

18-02-2026

Company Name

Upgrade, Inc.

Job Title

Product Operations Analyst

Job Description

**Job Title:** Product Operations Analyst **Role Summary:** Serves as the primary liaison among operations, product, and customer experience teams to diagnose and resolve platform issues, monitor system performance, and drive product improvements. Manages incident escalations, synthesizes data insights, and collaborates on user‑story creation to enhance customer outcomes. **Expectations:** - Proficient in SQL for data extraction and analysis. - Experienced with web analytics tools (e.g., Heap, FullStory, Adobe, Google Analytics). - Strong customer‑centric mindset and critical thinking. - Ability to translate complex data into actionable recommendations. - Skilled at distinguishing system, user, procedural, and product issues. - Effective communication with cross‑functional and customer‑facing teams. - Quick learner of new data and system troubleshooting tools. **Key Responsibilities:** - Identify root causes of platform issues and customer pain points. - Monitor key operational systems (verifications, servicing, support). - Collect and analyze anecdotal and quantitative data from internal tools and third‑party integrations. - Partner with operations and product teams to troubleshoot and route issues across product domains. - Collaborate with customer experience teams to develop user stories, work scopes, and feedback loops. - Act as subject‑matter expert for proprietary back‑end tools. - Manage incident response and escalation processes for internal platform problems. - Communicate improvement opportunities and incident status to customer‑facing teams. **Required Skills:** - SQL (advanced query writing). - Web analytics platforms (Heap, FullStory, Adobe, Google Analytics). - Data synthesis and visualization. - Problem‑solving across technical and procedural domains. - Strong written and verbal communication. - Ability to work collaboratively in a fast‑paced, cross‑functional environment. **Required Education & Certifications:** - Bachelor’s degree in Business, Finance, Computer Science, Data Analytics, or a related field, or equivalent professional experience. - No specific certifications required; relevant certifications (e.g., SQL, analytics) are a plus.

Phoenix, United states

Hybrid

18-02-2026