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.

We are looking for a dynamic and collaborative individual to join our growing Treasury team at Upgrade Inc. The Treasury Analyst will be involved in all aspects of treasury operations and will support critical initiatives to facilitate the automation of the company’s cash movement. Reporting to the Treasury Manager, this position will be responsible for day-to-day cash movement for loan servicing, managing lockbox and agency accounts reconciliation, debt sales, setting up new bank accounts and creating the relevant mappings in our systems. This individual will collaborate daily with the Payment Team and Investor Team as well as external partners and banks. We are looking for someone who is detail-oriented and enjoys working in a fast-paced and dynamic team environment.

Responsibilities:

• Manage the bank account administration including opening new accounts, preparing DACA requests on behalf of investors, managing account services, maintaining the list of bank accounts in our treasury management system, and bank portal administration
• Process monthly debt sale to our pool of investors, validate the loans being sold, and process proceeds and fee transactions accordingly
• Validate the amounts received in the lockbox and agency accounts on daily basis and ensure that borrowers accounts were credited accordingly
• Hands-on treasury role with direct exposure to all client and investor cash management
• Cross functional partner who will work closely with the finance, investor, and borrower teams to execute domestic transactions
• Identify key issues and work with senior team members to come up with a resolution strategy
• Prepare or assist in the preparation of reports for investors, management, and external auditors
• Develop and/or refine standard operating procedure manuals
• Enforce internal controls to the highest standard
• Support month-end close processes and related management reporting deliverables
• Constantly innovate and challenge the status quo
• Participate in the completion of ad hoc projects 

Skills:

• Bachelor's degree in Accounting, Finance, Economics
• 1-3 years of financial services or treasury experience; FinTech experience a huge plus
• Experience with Treasury Management Systems, Kyriba preferred
• Computer skills include Microsoft Excel, Word and Outlook, Google Suite, Oracle NetSuite
• Ability to self-automate using Excel Macros, SQL, VBA, Python and Tableau (preferred)
• Resourceful, proactive, problem solver
• Demonstrate critical thinking and analytical skill sets
• Be an effective oral and written communicator

Benefits / Perks:

• Designer office with amazing views of the bay
• Comprehensive benefit package: medical, dental, and vision
• Unlimited vacation policy
• Flexible working environment
• Conveniently located in San Francisco Financial District
• Close to BART and public transportation
• Kitchen stocked with beverages, snacks and treats
• In office game rooms, yoga room, and abundance of lounge space
• Monthly social gatherings

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.

California Employee Privacy Notice

Effective Date: 1/1/2020

Notice to Applicants for Employment, Employees, and Contractors:

This California Employee Privacy Notice is intended to provide California consumers who are employed or apply for employment or a contractor position with Upgrade information about the categories of personal information Upgrade collects and how the company uses this information. For any questions about this notice, please contact [email protected].

- Personal Information Upgrade Collects:

Identifying information: including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Information you provide as a part of a job application or from a background check performed after a job offered is extended, including employment, education, credit, and criminal history. Data on work productivity and performance, including hours worked, electronic network activity, and tasks performed. 

- Purposes for Collecting Personal Information:

To consider applications for employment. To complete payments, including payroll, expense reimbursement, other compensation-related payments, and the administration of stock options. To administer benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.