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:
Our Home Improvement team is looking for a Commercial Underwriter. We are looking for detailed oriented individuals to assist our merchants with the Onboarding Application Process. Our Merchant Underwriters are responsible for the accurate review, processing and decisions of merchant applications. This role requires in-office work from Monday to Thursday, with the flexibility to work from home on Fridays.
What You’ll Do:
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Manage a pipeline of Merchant Applications
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Utilize Experian, Lexisnexis, and other systems to verify merchant details
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Read and interpret business credit files
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Review business financial documents
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Perform background checks on business owners and their businesses
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Review current business practices and social media standings
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Verify business license status
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Perform review OFAC sanctions
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Call and email business owners to obtain documents
What We Look For:
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Small business underwriting experience
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Strong work ethic
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Detailed oriented
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Ability to multitask
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Excellent verbal and written communication skills
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Strong problem solving and analytical skills
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Proven ability to remain positive during stressful situations
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Team player, proactive approach to helping other team members
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Proficient with Excel, Word, Outlook, and Tableau
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BA/BS or higher highly preferred
What We Offer You:
- Great open office space
- Paid time off (PTO)
- 401K matching
- Comprehensive benefits package: Medical, dental, vision, life insurance & disability
- Wellness Incentive Program
- Kitchen fully stocked with snacks and beverages
The compensation range of this position in Atlanta, GA is USD $32.00 per hour plus 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.
#LI-Hybrid #BI-Hybrid
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, Inc. Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Upgrade, Inc. and has not been reviewed or approved by Upgrade, Inc..
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Healthcare Strength — Healthcare coverage is considered strong, with 100% employer-paid medical, dental, and vision for employees alongside mental health, wellness, disability, life insurance, and abortion travel benefits. These elements indicate a comprehensive health and wellness package.
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Retirement Support — A 401(k) match up to 4% with immediate vesting is offered, with eligibility commonly beginning after about 90 days. This structure provides reliable savings support early in tenure.
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Leave & Time Off Breadth — Time-off policies include unlimited PTO for salaried roles, generous PTO and paid holidays, sick days, bereavement leave, and paid parental leave. Flexible time-off practices are emphasized across materials.
Upgrade, Inc. Insights
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What We Do
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.8 million customers access over $47 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B. We’re consistently recognized for our innovative technology, rapid growth, and inclusive culture. Most recently, we were named one of the World’s Best Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, Best Places to Work in Fintech by American Banker, Best Employer by Forbes, and America’s Greatest Workplaces by Newsweek. Our technology and products have also earned us spots on the World's Top 250 Fintech Companies by CNBC, Deloitte Technology Fast 500, and Fintech Breakthrough Awards. 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.
Why Work With Us
We’re consistently recognized for our innovative technology, rapid growth, 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, Best Startup Employer by Forbes, and America’s Greatest Workplaces by Newsweek.
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