Job Description

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
• 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

Notice to California-based Candidates for Employment. This California Candidate Privacy Notice is intended to provide information about how Upgrade collects and uses personal information to California consumers who apply for employment with Upgrade If you are employed by Upgrade, refer to the Employee Handbook for additional information. For any questions about this notice, please contact ccpa@upgrade.com.

Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information.Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin.Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information.Any other information you provide as a part of recruitment, job application, or interview process.

Purposes for Collecting Personal Information:

To considerqualifications, skills, and interest for employment.To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment.To provide compensation, including payroll, and administer stock options and 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 improve recruitment and interview processes and ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.

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 .

Create a Job Alert

Interested in building your career at Upgrade? Get future opportunities sent straight to your email.

Accepted file types: pdf, doc, docx, txt, rtf

Enter manually

Accepted file types: pdf, doc, docx, txt, rtf

LinkedIn Profile

Website

Are you legally authorized to work in the United States? * Select...

Will you now, or in the future, require sponsorship for employment visa status (e.g. H-1B visa status, work permit, etc.)? * Select...

Are you willing to come into our San Francisco office 3x per week? * Select...

Demographic Questions & Categorizations

Upgrade is dedicated to building a diverse team and an inclusive culture. We believe that it’s crucial to Upgrade’s long-term success to create an environment where all employees feel like they belong and have an equal opportunity to succeed.

For this reason, we are asking candidates to voluntarily self-identify through a few demographic questions. Our purpose in collecting this information is to help us assess our outreach efforts and diversity representation goals. Your responses will not be linked to your identity or your application, and neither recruiters nor hiring managers can see this information at an individual level. Your responses are stored in the aggregate and will not play any role in our hiring decision. Your decision to participate or not participate in this survey will have no impact on your candidacy at Upgrade.

How you do you identify? (Gender identity) Select...

Job Tags

Similar Jobs