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

Capital Markets Analyst

Job Description

San francisco, United states

Hybrid

Fresher

10-09-2025

Company Name

Upgrade, Inc.

Job Title

Loan Accounting Analyst

Job Description

**Job Title** Loan Accounting Analyst **Role Summary** Oversee loan accounting, month‑end close, revenue recognition, and reconciliations, ensuring accurate, GAAP‑compliant financial reporting. Collaborate with cross‑functional teams to streamline processes and support audits, management reporting, and special projects. **Expectations** - Deliver high‑quality financial reports on schedule. - Maintain accuracy and completeness of loan accounting records. - Communicate findings and recommendations clearly to senior leadership. - Continuously identify and implement process improvements and automation. **Key Responsibilities** - Own month‑end close activities for loan accounting, revenue recognition, and related reconciliations. - Assist with audit preparation and management reporting. - Ensure compliance with GAAP and internal control standards. - Maintain and enhance loan reporting for financial statements. - Build and refine advanced Excel workpapers (VLOOKUP, PivotTables, complex formulas). - Partner with Product, Operations, and Engineering to streamline processes and investigate variances. - Execute ad hoc analyses and support special projects. - Identify opportunities for simplification and automation across accounting functions. **Required Skills** - Advanced Excel proficiency (VLOOKUP, PivotTables, complex formulas). - Familiarity with ERP/accounting systems such as NetSuite, Floqast, and Tableau. - Strong written, verbal, and interpersonal communication skills. - Team‑player mindset with ability to work cross‑functionally. - Ownership and responsibility for problem resolution. - Adaptability to rapidly changing environments. - Self‑starter with a continuous improvement mindset. **Required Education & Certifications** - Bachelor’s degree in Accounting or Finance. - Knowledge of GAAP and loan accounting principles is a plus.

Montreal, Canada

Hybrid

18-09-2025

Company Name

Upgrade, Inc.

Job Title

Manager, Vendor Risk Management

Job Description

**Job Title:** Manager, Vendor Risk Management **Role Summary:** Oversees evaluation and monitoring of business-critical vendors to ensure compliance with risk and control frameworks. **Expectations:** - 3-5 years in vendor/third-party risk management or compliance. - Ability to manage complex processes and prioritize cross-functional tasks. - Strong communication to convey technical/sensitive issues effectively. - Experience with regulatory frameworks (SOC, PCI) and vendor assessment tools. **Key Responsibilities:** - Conduct risk assessments on vendors, reviewing policies, financial health, security, and operational controls. - Collaborate with internal teams (Legal, Compliance, Product, Security) and external partners to gather documentation and conduct reviews. - Document diligence findings, monitoring activities, testing results, and regulatory research. - Support vendor onboarding, including risk assessments and follow-up actions. - Escalate and track vendor issues for resolution. - Maintain accurate records of vendor reviews and monitoring plans. **Required Skills:** - Vendor risk evaluation, regulatory compliance, project management. - Technical proficiency: SOC/PCI frameworks, AI/LLM tools, Zip, Upguard, Ironclad, JIRA, Confluence. - Critical analysis, communication, and stakeholder coordination. **Required Education & Certifications:** Not specified.

San francisco, United states

On site

Junior

19-09-2025

Company Name

Upgrade, Inc.

Job Title

Senior Product Manager, Flex Pay

Job Description

**Job Title** Senior Product Manager, Flex Pay **Role Summary** Lead end‑to‑end product development for the Flex Pay platform, deepening merchant integrations to enhance partner and customer experience. Own the roadmap, drive cross‑functional execution, and deliver measurable growth and satisfaction outcomes. **Expectations** * Minimum 5 years of product management in consumer‑facing fintech or related space. * Proven success delivering high‑quality, user‑centric products. * Strong analytical mindset: SQL, web analytics, A/B testing. * Expertise in complex third‑party API integration and architecture. * Demonstrated leadership in multi‑disciplinary teams, resolving stakeholder conflicts. **Key Responsibilities** * Own the Flex Pay product strategy and roadmap. * Translate partner and market insights into prioritized feature sets. * Manage feature lifecycles from concept through launch, post‑launch optimization, and iteration. * Collaborate closely with Engineering, Design, Marketing, and external partners to define requirements, specs, and timelines. * Champion data‑driven decision making: set metrics, analyze performance, run experiments, and iterate. * Ensure seamless partner integration and maintain high satisfaction and adoption rates. * Communicate progress, risks, and outcomes to senior leadership and stakeholders. **Required Skills** * Product management and roadmap development. * API and third‑party integration architecture. * SQL, web analytics, A/B testing, and data interpretation. * Agile product development, sprint planning, backlog grooming. * Stakeholder management, conflict resolution, and cross‑functional teamwork. * Strong written and verbal communication. **Required Education & Certifications** * Bachelor’s degree in Business, Computer Science, Engineering, or related field (or equivalent professional experience). * Product management certifications (e.g., CSPO, PMP, or equivalent) preferred but not mandatory.

San francisco, United states

On site

Senior

15-10-2025