Director, Investor Credit

<div class="content-intro"><p><span style="color: rgb(58, 59, 65);"><em><span style="font-size: 10pt; font-family: helvetica, arial, sans-serif;">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.</span></em></span></p> <p><span style="color: rgb(58, 59, 65);"><em><span style="font-size: 10pt; font-family: helvetica, arial, sans-serif;">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. </span></em></span></p> <p><span style="color: rgb(58, 59, 65);"><em><span style="font-size: 10pt; font-family: helvetica, arial, sans-serif;">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.</span></em></span></p></div><hr> <p><strong>About the Role:</strong></p> <p>Upgrade is seeking a Director or VP of Investor Credit to serve as a senior credit authority and strategic partner to our Investor Relations and Capital Markets teams. In this role, you will own the credit narrative across Upgrade's consumer lending platform translating complex credit dynamics into clear, credible, and compelling communications for investors, rating agencies, and senior leadership. You will function as an independent voice on credit policy, evaluating policy changes, performance trends, and their implications for loan-level economics including credit losses, prepayments, and IRR.<br><br>This is a high-visibility role at the intersection of credit risk, structured finance, and investor engagement. The ideal candidate brings deep expertise in consumer credit analysis and a track record of influencing credit strategy and investor confidence at a fintech originator, specialty finance company, or ABS-focused investment firm.<br><br>This is a hybrid role based in our downtown San Francisco office (3 days/week on-site).<br><br></p> <p><strong>What You’ll Do:</strong></p>