Upgrade

Director, Collections Strategy

Product Data Analyst, Servicing

Customer Service Advisor, Card Payment - Start Date 12/1/25

Director, Deposit Servicing

Capital Markets Analyst

Customer Service Supervisor, Flex Pay

Contracts Manager

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Supervisor, Back Office

Upgrade is seeking a Director of Collections Strategy to lead pre-charge-off and post-charge-off collections across all Upgrade products, including Unsecured Personal Loans, Credit Card, and BNPL. This role involves evaluating customer payment behavior, developing segment-specific strategies, and optimizing collection efforts using predictive modeling and machine learning. The Director will also manage customer interactions for overdue payments, establish repayment plans, ensure regulatory compliance, and track key metrics to improve collection performance.

Senior Product Manager, Flex Pay

<h3 class="text-xl md:text-2xl font-bold mt-8 mb-3 text-gray-800">About the Role:</h3>We’re looking for a Director of Collections Strategy who will oversee the strategy and management of pre-charge-off and post-charge-off collections across all Upgrade products for internal, first-party and third-party operations. Products include the following: Unsecured Personal Loans, Credit Card, BNPL / POS Financing, Travel BNPL, Home Improvement Financing, Indirect Auto, Checking, One Card, and Savings.<h3 class="text-xl md:text-2xl font-bold mt-8 mb-3 text-gray-800">What You'll Do:</h3><ul class="list-disc list-inside my-5 pl-5 space-y-2 text-gray-700"><li class="leading-relaxed">Evaluating customer payment behavior, identifying trends, and assessing the effectiveness of current strategies.</li><li class="leading-relaxed">Developing specific strategies for different customer segments and debt types, including pre-delinquent, delinquent, and recovery accounts.</li><li class="leading-relaxed">Utilizing predictive modeling, machine learning, and other tools to identify potential issues and optimize collection efforts.</li><li class="leading-relaxed">Identifying areas for improvement in the overall collection process, including communication channels and customer interactions. Optimization of contact and conversion strategy in omni channel collections environment.</li><li class="leading-relaxed">Reaching out to customers with overdue payments via phone, email, or other channels to discuss their accounts and negotiate payment arrangements.</li><li class="leading-relaxed">Working with customers to establish feasible repayment plans that align with their financial situations including hardship and debt settlement arrangements.</li><li class="leading-relaxed">Adhering to all relevant regulations, including the Fair Debt Collection Practices Act (FDCPA), CFPB Regulation F, and TCPA, as well as internal policies.</li><li class="leading-relaxed">Tracking key metrics, such as aging of accounts receivable, collection rates, and recovery rates, to assess the effectiveness of strategies and identify areas for improvement.</li><li class="leading-relaxed">Working with other departments, such as credit, sales, customer service, and risk management, to ensure a smooth and effective collection process.</li><li class="leading-relaxed">Providing regular updates to senior management on collection performance, key trends, and areas of concern.</li></ul><h3 class="text-xl md:text-2xl font-bold mt-8 mb-3 text-gray-800">What We Look For:</h3><ul class="list-disc list-inside my-5 pl-5 space-y-2 text-gray-700"><li class="leading-relaxed">5 to 7 years of experience in collections strategy and/or operations</li><li class="leading-relaxed">Bachelor's degree required; MBA or advanced degree preferred</li><li class="leading-relaxed">Strong analytical skills - analyzing data, identifying trends, and making data-driven decisions</li><li class="leading-relaxed">Excellent communication skills - effectively communicating with operations leadership and executive management</li><li class="leading-relaxed">Knowledge of relevant regulations - understanding the legal and regulatory landscape of debt collection</li><li class="leading-relaxed">Experience with collection technology - utilizing software and tools to manage and optimize the collection process</li><li class="leading-relaxed">Leadership and team management skills - leading and motivating analysts</li><li class="leading-relaxed">Strong analytical skills - analyzing data, identifying trends, and making data-driven decisions</li></ul><h3 class="text-xl md:text-2xl font-bold mt-8 mb-3 text-gray-800">What We Offer You:</h3><ul class="list-disc list-inside my-5 pl-5 space-y-2 text-gray-700"><li class="leading-relaxed">Competitive salary and stock option plan</li><li class="leading-relaxed">100% paid coverage of medical, dental and vision insurance</li><li class="leading-relaxed">Flexible PTO</li><li class="leading-relaxed">Competitive 401(k) and RRSP program</li><li class="leading-relaxed">Opportunities for professional growth and development</li><li class="leading-relaxed">Paid parental leave</li><li class="leading-relaxed">Health & wellness initiatives</li></ul>

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This job implements tasks within the Software Development Lifecycle (SDLC), follows internal conventions and procedures, makes technical decisions, collaborates with peers and project leads, and contributes to code and design reviews. As a member of the Checkout Engineering team, you will be responsible for the development and delivery of applications that power PayPal’s Checkout user experiences on the web. You will work closely with product, design, and analytics teams to understand user desires, building beautiful products and experiences. We value collaboration, communication, and a passion for achieving engineering and product excellence.

PayPal is on a mission to revolutionize commerce globally. We’re driving our company, industry, and society forward with vision and velocity. With our commitment to excellence, innovation, and talent, the possibilities are limitless. ​Learn more at. Learn more about privacy-related questions or data retention.

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<h2 class="text-2xl md:text-3xl font-bold mt-10 mb-4 border-b pb-2 text-gray-800">Software Engineer</h2>The CompanyPayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy.We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers.We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards. Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade.Our beliefs are the foundation for how we conduct business every day. We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities.Job Summary:This job implements tasks within the Software Development Lifecycle (SDLC), follows internal conventions and procedures, makes technical decisions, collaborates with peers and project leads, and contributes to code and design reviews.Job Description:Essential Responsibilities:<ul class="list-disc list-inside my-5 pl-5 space-y-2 text-gray-700"><li class="leading-relaxed">Implements tasks within the Software Development Lifecycle (SDLC), receiving structure and oversight from more experienced staff</li><li class="leading-relaxed">Follows well-established internal conventions and standard procedures</li><li class="leading-relaxed">Understands internal standards & processes an applies them to make technical decisions</li><li class="leading-relaxed">Collaborates with peers, manager, and project lead to gain understanding of tasks and review solutions</li><li class="leading-relaxed">May contribute to code & design reviews</li></ul>Expected Qualifications:<ul class="list-disc list-inside my-5 pl-5 space-y-2 text-gray-700"><li class="leading-relaxed">1+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.</li></ul>Additional Responsibilities & Preferred Qualifications:Job Description Summary:What you need to know about the role:As a member of the Checkout Engineering team, you will be responsible for the development and delivery of the applications that power PayPal’s Checkout user experiences on the web. You will work closely with product, design, and analytics teams to understand what the buyers and merchants using our software desire from us. We're looking for talented, motivated and detail-oriented technologists with a passion for building beautiful products and experiences. We value collaboration, communication, and a passion for achieving engineering and product excellence.Meet our team:At PayPal Checkout Engineering, we're building experiences used by millions of merchants and shoppers worldwide, and our team is on a mission to provide sophisticated, tailor-made experiences to all of our users. PayPal has been at the forefront of building global-scale JavaScript applications and is a pioneer in the payments realm. Our passionate engineers continually question assumptions, experiment with new technologies and architectures, and collaborate to create engaging and innovative payment experiences.Job Description:Your Way to Impact:As a fullstack engineer for PayPal Checkout, you will deliver complete solutions and features spanning all phases of our software development lifecycle. In this role, you will be responsible for shaping the future of PayPal's customer facing checkout products. This will be accomplished through implementation of technical designs, direct contributions to architectural decisions, and influencing the technical direction of our web applications. You will be responsible for developing industry-leading experiences that bring unquestionable value to both merchants and buyers. You will use your years of technical expertise and a solid understanding of the business domain to help us improve the scale, reliability, and performance of our platforms.Your Day to Day:<ul class="list-disc list-inside my-5 pl-5 space-y-2 text-gray-700"><li class="leading-relaxed">Demonstrate end-to-end ownership of features, projects, modules, and services that you deliver in all phases of the software development lifecycle.</li><li class="leading-relaxed">Provide design and implementation of end-to-end solutions towards client-side applications using JavaScript, Node.js, React, GraphQL, and other relevant technologies.</li><li class="leading-relaxed">Adhere to team technical standards of client-side applications, advocating for best practices and innovative solutions.</li><li class="leading-relaxed">Contribute to software performance, identifying and resolving bottlenecks via monitoring, logging, and metrics to enhance the user experience.</li><li class="leading-relaxed">Contribute to clean, scalable, high-performing, secure, and reliable software services, in all areas, including coding, documentation, automation, etc.</li><li class="leading-relaxed">Contribute to critical non-functional requirements (Availability, Security, Performance, Scalability, and Observability), and improve automated test strategies, build and deploy processes to enable speedy and reliable continuous integration.</li><li class="leading-relaxed">Collaborate with other development teams to ensure seamless integration and deployment of client-side applications, automating and enhancing build, test, and deployment processes.</li><li class="leading-relaxed">Communicate effectively with all technical and non-technical partners and stakeholders (Architecture, Developer Experience, Product, Design, Analytics, Legal, Marketing, etc.) as well as within your team to ensure shared understanding around the new products and features under consideration.</li><li class="leading-relaxed">Conduct formal and informal code reviews, providing constructive feedback to team members to ensure code quality and adherence to clean and scalable coding principles.</li><li class="leading-relaxed">Stay up-to-date with the latest industry standards, tools, and technologies related to client-side development, observability, and DevOps practices, and drive their adoption within the team.</li><li class="leading-relaxed">Participate in program planning, contributing to the product and technology roadmap and driving outcomes.</li></ul>What You Bring:<ul class="list-disc list-inside my-5 pl-5 space-y-2 text-gray-700"><li class="leading-relaxed">2+ years of professional experience in software development, with a strong emphasis on development of large-scale and performant Web applications.</li><li class="leading-relaxed">Proficiency in JavaScript, Node.js, React / NextJS, GraphQL, or similar frameworks and libraries.</li><li class="leading-relaxed">Familiarity with observability tools and experience monitoring production systems and swiftly remedying any issues that occur.</li><li class="leading-relaxed">Solid understanding of the possibilities and limitations of the modern web across all device types and form factors</li><li class="leading-relaxed">Experience in building responsive, accessible, and mobile-friendly user interfaces</li><li class="leading-relaxed">Strong attention to detail, as well as a passion for delivering high-quality software solutions and compelling customer experiences</li><li class="leading-relaxed">Strong problem-solving skills, possessing the ability to work independently or collaboratively to analyze and address complex technical challenges</li><li class="leading-relaxed">Excellent communication skills with the ability to collaborate effectively with cross-functional teams and those in non-technical roles, such as marketing, finance, and legal</li><li class="leading-relaxed">Experience with modern software development practices, version control systems, and agile methodologies</li><li class="leading-relaxed">Awareness of security standards, prevention, and mitigation mechanisms specifically pertaining to web applications.</li></ul>Subsidiary:PayPalTravel Percent:0PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. To learn more about how to identify and avoid recruitment fraud please visit <a href="https://careers.pypl.com/contact-us" target="_blank" rel="noopener noreferrer" class="text-blue-600 hover:text-blue-800 hover:underline transition-colors duration-200">https://careers.pypl.com/contact-us</a>.For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.Our Benefits:At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset—you. That’s why we offer benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit <a href="https://www.paypalbenefits.com/" target="_blank" rel="noopener noreferrer" class="text-blue-600 hover:text-blue-800 hover:underline transition-colors duration-200">https://www.paypalbenefits.com</a>.Who We Are:<a href="https://about.pypl.com/who-we-are/default.aspx" target="_blank" rel="noopener noreferrer" class="text-blue-600 hover:text-blue-800 hover:underline transition-colors duration-200">Click Here</a>to learn more about our culture and community.Commitment to Diversity and InclusionPayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at <a href="mailto:paypalglobaltalentacquisition@paypal.com" target="_blank" rel="noopener noreferrer" class="text-blue-600 hover:text-blue-800 hover:underline transition-colors duration-200">paypalglobaltalentacquisition@paypal.com</a>.Belonging at PayPal:Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.Any general requests for consideration of your skills, please <a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fpaypal.eightfold.ai%2Fcareers%2Fjoin%3Fdomain%3Dpaypal.com&data=05%7C01%7Chmouchel%40paypal.com%7C896c661e48224f2f6c0608db51a99675%7Cfb00791460204374977e21bac5f3f4c8%7C0%7C0%7C638193561037230485%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=iYNNAXZqfoYTLGNP79IEWsPoYxBR8lE1%2BqNN6c2Kmnk%3D&reserved=0" target="_blank" rel="noopener noreferrer" class="text-blue-600 hover:text-blue-800 hover:underline transition-colors duration-200">Join our Talent Community</a>.We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.

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This assessment gives us an idea of your C++ skills- Companies that evaluate this skillset in interviews: Rockstar Games, Ubisoft, Mayhem Studios, etc.- 10 Multiple Choice questions- Average time to complete: 7 to 10 minutes

Let's assess your Data Structures! - This assessment gives us an idea of your problem solving skills using DSA- Companies that evaluate this skillset in interviews: MPL, LILA Games, GSN Games, etc.- 10 Multiple Choice questions

Data Structures and Algorithms

Let's assess your Programming Patterns! ????- This assessment gives us an idea of your code architecture skills- Companies that evaluate this skillset in interviews: Dirtcube, PTW, Playshifu, etc.

Programming Patterns

Let's assess your OOPs skills! ????- This assessment gives us an idea of your fundamental OOPS concepts and Solid principles skills- Companies that evaluate this skillset in interviews: Hitwicket, GSN Games, Tomo Club, etc.

Object Oriented Programming

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