Senior Manager, FP&A Credit San Francisco

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B. We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts. Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans. We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives. About the Role: We are looking for a Sr. Manager to join our FP&A team to support the valuation process and credit cost forecasting for our loan portfolio. This role has high visibility in the organization and can influence the strategic execution of large transactions for the company. This position reports into the Head of FP&A, and is based in our San Francisco office in a hybrid capacity (specifically on Tuesdays, Wednesdays, and Thursdays). What You'll Do: Oversee the fair value assessment of the loan portfolio, ensuring valuations are timely, accurate, and consistent with market standards. Develop and refine valuation methodologies and financial models that accurately capture market risk, interest rate risk, credit risk, and other relevant factors impacting loan valuations. Work closely with internal teams including Risk Management, Credit, Capital Markets, Accounting, Treasury, Audit, and an external valuation firm to maintain alignment on fair valuation processes and reporting. Build and maintain models to predict future fair valuation adjustments including charge-offs for loans on the balance sheet. Analyze and interpret financial data, market data, and economic trends to support fair valuation models and assumptions. Identify, evaluate, and report on potential risks impacting fair valuation, making recommendations to mitigate these risks. Prepare comprehensive reports and presentations for senior management, auditors, and regulatory bodies, explaining valuation methods, inputs, and assumptions. Lead initiatives to improve valuation processes, leverage technology, and ensure scalability and efficiency within the fair valuation framework. What We Look For: 6+ years in FP&A, strategic finance, banking, or credit analysis preferably within a financial institution or fintech. 4+ years of experience specifically in loan fair valuation, credit cost and delinquency modeling. Strong proficiency in valuation modeling, financial analysis and relevant software (e.g., Excel, VBA, SQL, Tableau, or specialized valuation software). Understanding of secured and unsecured consumer lending and credit underwriting. Ability to operate in a fast-paced environment to meet deal deadlines. Superior written and verbal communication skills. Good judgment and excellent interpersonal skills. Highly organized, detail-oriented, and strong client service skills. CFA or other relevant professional certification preferred. What We Offer You: Competitive salary and stock option plan. 100% paid coverage of medical, dental and vision insurance. Flexible PTO. Opportunities for professional growth and development. Paid parental leave. Health & wellness initiatives. The compensation range of this position in San Francisco, CA is USD $180,000 - $200,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience. 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.

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