Director, Investor Credit

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.

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.

This is a hybrid role based in our downtown San Francisco office (3 days/week on-site).

• →Monitor and communicate credit trends and objectives across Upgrade's multi-product consumer lending platform, spanning personal loans, home improvement loans, indirect auto loans, credit cards, and BNPL
• →Track portfolio and investor-level returns relative to targets and drive root-cause analysis on emerging performance trends, synthesizing signals across products, vintages and credit tiers into insights and recommendations
• →Serve as an independent reviewer of credit policy changes, providing senior leadership and investor teams with assessments of projected volume and performance impacts
• →Partner with the Credit team to develop investor-grade performance reporting, ensuring accuracy, consistency, and strategic clarity across all materials
• →Build and maintain strong relationships with investors and rating agencies, serving as a credible technical resource on credit trends, portfolio composition, and underwriting philosophy
• →Partner cross-functionally with Credit, Product, and Operations teams to evaluate and communicate the performance implications of operational and policy changes
• →Track macroeconomic trends impacting the consumer lending landscape and clearly articulate their implications for Upgrade loan performance and initiatives
  

• Bachelor's degree in Statistics, Economics, Mathematics, Computer Science, Engineering, or a related quantitative field; advanced degree preferred
• 8+ years of experience in consumer credit analysis, capital markets, or structured finance, with meaningful exposure to fintech origination platforms or ABS/whole loan investment
• Deep familiarity with consumer lending economics including credit loss modeling, prepayment behavior, vintage analysis, and IRR attribution
• Experience developing investor-level or board-level reporting and presentations
• Ability to operate independently, exercise sound analytical judgment, and communicate complex findings clearly to non-technical audiences
• Proficiency in SQL and Python or R, and experience with Tableau or equivalent BI tool preferred
• Highly organized, intellectually rigorous, and comfortable managing multiple workstreams in a fast-paced environment
  

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