Senior Risk Data Analyst, Upgrade
+ Stock Option Plan
Offering responsible credit to mainstream consumers
Open for applications
Offering responsible credit to mainstream consumers
1001+ employees
Open for applications
+ Stock Option Plan
1001+ employees
Company mission
To help our customers move in the right direction with responsible financial products that put more money in their pocket.
Role
Who you are
- Minimum of 5+ years of experience in a quantitative/analysis/reporting role within the Financial Services industry
- Advanced knowledge of SQL (PostgreSQL experience and Redshift experience are preferred)
- Proficient in Excel
- Knowledge of Python Scripting or other programmatic scripting preferred
- Minimum of 1 year of experience using a major BI data or visualization solution (Tableau preferred)
- Knowledge of how to collect data from different information sources and distribute them to users; ability to use this information to simplify information systems and make sound business recommendations to senior business leaders
- Team-player with superior interpersonal skills who can work closely with both technical development teams and end business users
- Sense of ownership and responsibility towards problems and solutions
What the job involves
- In this role, you will build dashboards and analyze comprehensive data sets using SQL, Python, and Tableau. As an expert in risk management and data analysis, you will communicate core technical data concepts to our stakeholders
- Develop and maintain reports, dashboards, and other products using SQL, Python, and Tableau as directed by your manager
- Work closely with the Risk, Compliance, and Legal teams for the accurate extraction and presentation of licensing reporting data to external parties
- Work closely with the Risk, Compliance, and Credit Risk teams for the accurate extraction of Fair Lending reporting data to external parties
- Assist with the identification, development, and reporting of risk metrics on a recurring basis
- Enhance data and analysis work by providing actionable insight to your manager
- Partner with Risk and Compliance on KPI’s and helping maintain best in class SLAs
- Work collaboratively, cross-functionally, and independently to interface with stakeholders and other analysts or engineers to meet business requirements
- Effectively communicate (written and verbal) technical subject matters to non-technical business stakeholders
- Learn and grow in Risk and Compliance operations with a focus on back-end databases and reporting of relevant business information
Our take
Most credit cards don't encourage the owner to pay down their debt. The longer it takes to pay off the balance, the more money lenders are set to make. Upgrade is an online lender and card issuer doing things differently. The company offers personal loans and credit cards but with a fixed instalment structure and a set number of equal payments. This ensures the balance reduces every month.
The company believes this model reduces default rates, as borrowers are forced to pay down rather than maintain their debt, and it encourages a greater commitment to repay the balance. Further, by combining the ease of a Visa card with the fixed payments and decreased rates of a personal loan, Upgrade sets itself apart from competitors.
In 2021, Upgrade launched its mobile banking and debit card as a strategy to onboard new customers and increase loyalty. The fixed-rate nature of the company's cards is expected to be of use to customers in future years in an environment of rising rates. Upgrade also plans to expand beyond the U.S. in the future, which will represent new challenges for the business as it adapts to alternative regulations.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
Some candidates hear
back within 2 weeks
18% employee growth in 12 months
Company
Funding (last 2 of 5 rounds)
Nov 2021
$280m
SERIES F
Aug 2021
$105m
SERIES E
Total funding: $547m
Company benefits
- Stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
Company values
- Help: We help each other. We trust and care about each other. We welcome all team members and value the diversity of our team
- Improve: We are always learning. We are curious and ask why. We are open-minded and consider new ideas. We continually look to improve the way we operate
- Fast: We move fast. We launch products and process early, then test and iterate. We think ahead so that we are not rushing into things we are not prepared for. We work together to fix anything that breaks
- Own It: We act as owners. We enlist the help we need and follow through to the end. We acknowledge our mistakes and learn from them. We hold ourselves accountable as a team to reach our goals
Company HQ
Financial District, San Francisco, CA
Articles
Leadership
Renaud Laplanche
(Co-Founder & CEO)After an MBA at London Business School, Renaud spent 5 years as an Associate at Clearly Gottlieb Steen & Hamilton and co-founded MatchPoint. They then left Oracle after a year to co-found Lending Club in 2006 and co-founded Upgrade in August 2016.
Adelina Grozdanova
(Co-Founder & Head of Investor Group)Adelina started their career with 6 years at Morgan Stanley after a degree at Princeton. They left banking in 2012 to join Lending Club as VP, and after 3 years co-founded Upgrade, serving as Head of Investor Group since 2016.
Share this job
View 14 more jobs at Upgrade