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 Corporate FP&A Manager to join our FP&A team to lead and manage the company's comprehensive financial planning cycles, including annual budgeting, quarterly forecasting, and long-range strategic planning. 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:
- Develop and maintain sophisticated financial models (P&L, Balance Sheet, Cash Flow) to support scenario planning, strategic initiatives, and growth opportunities.
- Lead and orchestrate the FP&A process, coordinating the forecasting calendar, consolidating diverse financial inputs, and collaborating closely with business unit finance leads to develop insightful variance commentary, and with accounting to understand historical performance.
- Conduct in-depth financial analysis of actual versus budget/forecast variances, identifying key drivers, risks, and opportunities, and presenting actionable insights to management.
- Partner with department heads across the organization (Marketing, Operations, G&A, Product & Engineering) to understand their financial needs, provide financial guidance, and ensure alignment with overall company goals.
- Prepare and present clear, concise, and impactful financial reports and presentations for senior management, the executive team, and other stakeholders.
- Identify and implement process improvements and automation opportunities within FP&A to enhance efficiency, accuracy, and scalability.
- Manage the implementation of Pigment for automating forecasting and budgeting.
What We Look For:
- Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA, CPA, CFA, or other relevant designation is preferred.
- 5+ years of progressive experience in Financial Planning & Analysis (FP&A) roles, preferably within a fast-paced fintech or financial services environment.
- Demonstrated expertise in financial modeling, budgeting, forecasting, and variance analysis.
- Proficiency in Excel is essential, with experience in a financial planning software required (ideally Pigment). Netsuite experience is preferred.
- Experience with SQL as well as business intelligence tools (e.g., Tableau) is preferred.
- Excellent analytical, problem-solving, and critical thinking skills, with the ability to distill complex financial data into clear, actionable insights.
- Superior communication and presentation skills, with the ability to effectively convey financial information to both finance and non-finance audiences.
- Proven ability to collaborate effectively with cross-functional teams and build strong working relationships in an FP&A capacity.
- Highly organized, detail-oriented, and able to manage multiple priorities and deadlines in a dynamic environment.
- Experience with consumer lending or credit products is a significant advantage.
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
The compensation range of this position in San Francisco, CA is USD $120,000 - $140,000 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.
#BI-Hybrid #LI-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 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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What We Do
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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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