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 highly analytical and strategic Director of Strategic Finance to drive profitability, operational efficiency and enhance reporting for one of our growing business lines – Direct to Consumer or Merchant. Reporting to the VP of Finance, this role is a critical business partner responsible for providing financial insights and strategic guidance to executive leadership. The ideal candidate will have a strong background in financial services, deep knowledge of scaling businesses, and experience driving profitability in dynamic environments. This position is based in our San Francisco office in a hybrid capacity (specifically on Tuesdays, Wednesdays, and Thursdays).
What You’ll Do:
- Develop and maintain accurate, timely, and insightful financial reports for executive leadership and stakeholders.
- Establish and enhance reporting frameworks to track key financial metrics and business performance.
- Lead initiatives to analyze profitability and identify areas of opportunity.
- Partner with FP&A to deliver financial planning, forecasting, and reporting for business line.
- Provide data-driven insights and recommendations to influence business strategy and decision-making.
- Own the monthly/quarterly forecast process, ensuring alignment with corporate goals.
- Monitor performance against budget, identify trends, and recommend actions to achieve targets.
- Partner with business leaders to evaluate opportunities, pricing strategies, and cost management initiatives.
- Collaborate with cross-functional teams to support product launches, market expansion, and operational scaling.
- Develop and present detailed financial models, dashboards, and KPIs to measure performance.
- Conduct scenario analyses and sensitivity tests to evaluate potential risks and opportunities.
What We Look For:
- Bachelor’s degree in Finance, Accounting, Economics, or a related field. MBA or CFA designation preferred.
- 7+ years in Corporate Finance, FP&A, strategic finance, or a related field.
- Previous experience developing models and reporting with Pigment.
- Experience in high-growth companies, preferably in fintech, consumer tech, or B2C product companies.
- Previous experience in pre-IPO or public companies is highly desirable.
What We Offer You:
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
The compensation range of this position in San Francisco, CA is USD $200,000 - $215,000 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.
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What We Do
Upgrade offers affordable and responsible credit, mobile banking and payment products to everyday consumers. Our innovative financial products help our customers move their finances in the right direction and put more money in their pocket.
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Upgrade, Inc. Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
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