Payment Specialist

| Phoenix – Mesa – Scottsdale, AZ
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Upgrade is a fintech unicorn founded in 2017. We are the fastest-growing company in the Americas (Financial Times). In the last five years, over 15 million people have applied for an Upgrade card or loan, and we have delivered over $10 billion in affordable and responsible credit. Our innovative Upgrade Card is the fastest growing credit card in America (Nilson Report). Combining the flexibility of a credit card with the low cost of an installment loan helps us redefine banking.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, one of the “Top Companies to work for in Arizona”, and we have received awards 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 900 talented and passionate professionals. Come join us if you like to tackle big problems and make a meaningful difference in people's lives.

The Payment Specialist is part of the Servicing Operation Department which plays a key role in supporting the business and our customers. The team has ownership of the day to day Payment Operation functions at Upgrade. This includes payment processing, payment corrections, lockbox and treasury management functions. This role works closely with many internal teams and strong communication skills are required. The ideal candidate will have previous payment posting and/or treasury management experience, strong attention to detail, is a self- starter, problem solver and has a proven track record of highly accurate and efficient operational work.

What You'll Do

  • Execute payment and system processes with a high degree of accuracy 
  • Assist the business with account adjustments, corrections, and other payment-related tasks 
  • Accountable for payment processing and any investigation around the process
  • Process daily reconciliation against payments posted verse cash received
  • Develop and maintain business reporting and dashboards
  • Work closely with the Product team to identify system issues and follow through to resolution
  • Support new product rollouts and new operational initiatives, including contributing to the development of their defined processes and procedures
  • Review processes on an ongoing basis to maximize operational efficiency

What You're Good At:

  • Must have payment or treasury management experience
  • Bring a flexible mindset – as a start up, we are growing quickly and you may need to adapt to changing policies and procedures while maintaining high-quality work output
  • Being a big picture thinker- Be willing to contribute to process improvements and provide feedback to improve operational efficiency
  • Positive attitude and willingness to work with teammates on accomplishing tasks and responsibilities on an ongoing basis
  • Excellent time management and work prioritization skills
  • Capable of completing assigned tasks with careful attention to detail
  • Ability to thrive in a fast-paced and changing environment with ease and with minimal supervision
  • Strong verbal and written communication skills
  • (Internal)Proven track record of meeting and exceeding production and quality expectations

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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Technology we use

  • Engineering
  • Product
    • GolangLanguages
    • JavaLanguages
    • PythonLanguages
    • ScalaLanguages
    • ReactLibraries
    • ReduxLibraries
    • Node.jsFrameworks
    • SpringFrameworks
    • PostgreSQLDatabases
    • ConfluenceManagement
    • JIRAManagement

An Insider's view of Upgrade, Inc.

How do you collaborate with other teams in the company?

I'm surrounded by so many smart, humble and passionate people, where I can learn and grow from everyday. With culture where everyone’s voice is valued and heard, this makes for a very collaborative and thriving workplace where you can grow. It is very empowering and it truly feels like we can achieve anything we, as a team, set our minds toward.

Nelson Lobo

Software Engineer

What are some things you learned at the company?

Since I started at Upgrade, I have been exposed to new technologies for test automation, infrastructure and code coverage, to name a few. I had some challenges in making our test framework more efficient and faster. This is another aspect of Upgrade that I love: there are always different projects to work on which means new learning opportunities.

Seti Momayez

QA Developer

What are Upgrade, Inc. Perks + Benefits

Culture
Eat lunch together
Daily sync
Open door policy
Open office floor plan
Diversity
Diversity Employee Resource Groups
Health Insurance & Wellness Benefits
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Wellness Programs
Mental Health Benefits
Retirement & Stock Options Benefits
401(K)
Company Equity
Match charitable contributions
Child Care & Parental Leave Benefits
Generous Parental Leave
Flexible Work Schedule
Remote Work Program
Family Medical Leave
Vacation & Time Off Benefits
Unlimited Vacation Policy
Generous PTO
Paid Holidays
Paid Sick Days
Perks & Discounts
Casual Dress
Company Outings
Game Room
Stocked Kitchen
Some Meals Provided
Happy Hours
Fitness Subsidies
Professional Development Benefits
Job Training & Conferences
Lunch and learns
Cross functional training encouraged
Promote from within
Mentorship program
Continuing Education stipend
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