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:

Working with a team of Finance, Investor, and Business Analysts in Phoenix and San Francisco, this person will play a key role in maintaining loan accounting tasks and records for Upgrade. You will also work closely with multiple Upgrade company departments to ensure accurate tracking of loan transactions—such as sales, purchases, and collections—and help streamline accounting processes. You will have interaction with senior leadership regarding profitability metrics and must be capable of delivering high-quality deliverables, on time, with careful attention to detail.

WHAT YOU’LL DO:

• Own month-end close activities related to loan accounting, revenue recognition, and associated reconciliations
• Assist in audits and management reporting
• Ensure accurate and timely financial reporting in compliance with GAAP
• Own, maintain, and improve loan reporting for financial reporting
• Build and refine Excel-based workpapers, using advanced functions such as VLOOKUPs and PivotTables to analyze and present data
• Partner with cross-functional teams (Product, Operations, Engineering) to streamline processes and investigate variances
• Support ad hoc analysis and special projects as needed
• Identify opportunities for simplification and automation