Job Specifications
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 Summer Interns to join our North American Operations team. This team is responsible for reviewing relationships with new and existing contractors on the Upgrade Home Improvement platform, where our payment options can help their customers start a dream home project. This role offers hands-on exposure to the core operational functions that power our business — from reviewing applications and supporting merchant onboarding to assessing and monitoring risk. This role will allow the Summer Intern an opportunity to experience multiple aspects of creating a new line of business at a rapidly accelerating start-up along-side an experienced leadership team.
This is an ideal opportunity for students interested in finance, operations, business, risk, compliance, or fintech who want real-world experience working alongside cross-functional teams and contributing to meaningful projects.
What You’ll Do:
Throughout the internship, you’ll gain experience across multiple operational areas, with a primary focus on Underwriting and Risk Management, including:
Underwriting & Merchant Operations
Support the Underwriting team by helping gather, review, and verify documentation for merchant applications
Communicate with merchants via phone and email to collect required materials and answer questions
Assist with merchant onboarding processes, including verifying email addresses, staged funding details, and responsible party information
Participate in joint calls with merchants and banking partners to verify bank account information
Review submitted documents for accuracy and completeness in accordance with internal guidelines
Collaborate with Sales and Underwriting teams to ensure timely and accurate application processing
Risk
Assist the Risk team with reviewing new vendor requests and performing initial risk assessments
Support due diligence efforts by helping collect and organize merchant documentation
Participate in risk-based reviews, including background research and document evaluation
Help prepare summaries of materials reviewed during vendor diligence and monitoring
Support ongoing oversight of higher-risk merchants and assist with maintaining accurate records
Work with stakeholders across Legal, Compliance, Product, Credit teams
What We Look For:
Strong attention to detail and excellent organizational skills
Clear written and verbal communication skills
Ability to manage multiple tasks and deadlines in a fast-paced environment
Strong work ethic with a proactive, team-first mindset
Comfortable asking questions, learning new processes, and adapting to shifting priorities
Analytical mindset with an interest in operations, finance, risk, or compliance
Qualifications
Currently pursuing or recently completed a degree in Business, Finance, Economics, Operations, or a related field
Proficiency with Microsoft Office / Google Workspace
Interest in financial services, fintech, operations, or risk management
What We Offer You:
Competitive pay
Opportunities for professional growth and development
Access to Leaders with decades of business experience
Lunch stipend
Health & wellness initiatives
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 invol
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 growin...
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