Credit Risk Analyst (New Grad)

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.

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About the Role:

We are looking for a Credit Risk Analyst to join the team and support the analysis and improvement of credit and merchant underwriting practices. You will use data to develop and implement new strategies, policies, and models to manage loan performance and profitability.

What You'll Do:

• Work closely with members of the Risk team, to review and enhance underwriting practice (strategy, credit policy, and model use) to achieve results within credit risk tolerance
• Develop data driven strategies to segment merchant’s base and test strategies to improve profitability within those segments, working closely with Sales to implement
• Analyze and update merchant underwriting and merchant management policies, working with Operations to implement the merchant base
• Monitor loan performance through hands-on analysis
• Develop periodic reporting templates and requirements
• Obtain subject matter expertise in internal and external data sources and ensure data integrity
• Document policy and procedural changes.

What We Look For:

• 0-1 years in consumer credit risk role at a financial institution (experience with embedded finance preferred)
• Bachelor's degree
• Innately curious, constantly asking questions and seeking answers through data exploration
• Proven ability to solve white space problems
• Advanced knowledge of SQL, Python (nice to have), or R
• Detail oriented and strong analytic skill set
• Good communicator with the ability to discuss / present complex issues in a simple manner
• Proactive, driven, and able to work in a fast-paced environment
• Team player

What We Offer You:

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Competitive 401(k) and RRSP program
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

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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.

We do not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement. English is required for all positions, as it involves interacting with staff at offices worldwide.