Job Description

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

Upgrade’s Model Risk Management team plays a critical role in ensuring the integrity and reliability of the machine learning/statistical models used across the company. As a part of Upgrade’s risk function, we provide effective and independent challenges to assess, validate, and mitigate risks related to model development and usage, ensuring they align with regulatory standards and best practices. As a Model Risk Senior Analyst, you will be integral in identifying model risks and strengthening model robustness and performance.

Responsibilities

• Review and validate statistical/machine learning models for various business areas, including Credit Risk, Fraud, Marketing, and Operations.
• Review and challenge model methodology, data process, outcome analysis to identify gaps and improve on model performance.
• Actively research new tools and techniques available for model development and validation.
• Collaborate with various teams across Upgrade in model validation process: Decision Science, Credit Risk, etc.

Requirements

• Advanced Degree (MS/PhD) in Statistics, Mathematics, Data Sciences or a related quantitative discipline
• 1-5 years experience as a Data Scientist, Statistician, or related modeling background. Experience in underwriting models is a plus
• Experience in latest machine learning techniques (Random Forest, Gradient Boosted Trees, etc.)
• Familiar with Model Risk Management function and SR 11-7
• Ability to go deep into complex technical topics, understand modeling and algorithms
• Proficient in Python and experience with SQL
• Ability to write documentation and present analysis to people with different levels of expertise (e.g., technical staff, business leads, etc.)
• Detail oriented and strong analytical skill set
• Proactive, driven, and ability to work in a fast-paced environment

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 agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade 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 .

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 agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade 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 .

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