Senior Credit Analyst

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: We're looking for a Senior Credit Analyst that will ensure high risk reviews and merchant applications meet verification and program guidelines. We are looking for detailed-oriented individuals with a high level of integrity. In this position, you would spend your day reviewing merchant documentation, analyzing financials including balance sheets and income statements, reviewing trends and decisioning applications. This is a dynamic role partnering with our merchants to provide a best-in-class experience. What You’ll Do: Verify merchant application information, coordinate the collection of missing data and documentation, analyze and underwrites new merchant applications, and re-evaluate existing merchant accounts as requested by the other internal stakeholders Ensure strict adherence to company policies and procedures, Federal and State regulations, and laws. Comply with regulatory requirements, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Know Your Customer (KYC) and OFAC guidelines, to support the identification, detection, and prevention of fraud, money laundering and other unlawful activities. Read and interpret commercial credit reports to assess merchant risk profiles Analyze business financial statements including balance, income statement and cash flow. Contribute to regular staff meetings to discuss merchant accounts, trends, losses, etc. Recommend and help implement process improvements to enhance efficiency, consistency, and decision quality—including leveraging AI-driven strategies in the application review process. Bring a flexible mindset – you will be required to adapt to changing policy and procedures on a constant basis while maintaining high-quality work. What We Look For: 4+ years of business or merchant underwriting experience 2+ years experience in a payments, financial services or related industry Ability to proficiently analyze financial information and identify concerning trends Team player mentality with a high level of integrity Ability to thrive in a changing and fast-paced environment Detail-oriented with excellent verbal and written communication skills Proficiency with Google Sheets, Tableau What We Offer You: Competitive salary 100% paid coverage of medical, dental and vision insurance Flexible PTO Competitive 401(k) Opportunities for professional growth and development Paid parental leave Health & wellness initiatives #LI-Hybrid For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants. 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 agencie