Strategic Finance Manager, Valuation and Credit Risk

5 days ago


San Francisco, California, United States Tbwa ChiatDay Inc Full time
About Upgrade

Upgrade is a fintech company that specializes in providing affordable and responsible credit solutions to everyday consumers. With a strong track record of growth, we have delivered over $33 billion in credit to our 5.5 million customers.

We have built a collaborative and inclusive culture where team members help each other, learn, and innovate to drive business success and customer satisfaction.

Our company has received numerous awards and recognition for being a great place to work, including 'Best Place to Work in the Bay Area' three years in a row.

About the Role

We are seeking an experienced Senior Manager to join our Financial Planning and Analysis (FP&A) team in San Francisco. This role will focus on supporting the valuation process and credit cost forecasting for our loan portfolio.

This position reports to the Head of FP&A and offers a unique opportunity to influence strategic decision-making and contribute to the company's growth.

Responsibilities
  • Lead the fair value assessment of our loan portfolio, ensuring timely and accurate valuations consistent with market standards.
  • Develop and refine financial models that capture market risk, interest rate risk, credit risk, and other factors impacting loan valuations.
  • Collaborate with internal teams and external partners to maintain alignment on fair valuation processes and reporting.
  • Predict future fair valuation adjustments, including charge-offs for loans on the balance sheet.
  • Analyze and interpret financial data, market trends, and economic indicators to inform valuation models and assumptions.
  • Identify, evaluate, and report on potential risks impacting fair valuation and make recommendations to mitigate these risks.
  • Prepare comprehensive reports and presentations for senior management, auditors, and regulatory bodies.
Requirements
  • 6+ years of experience in FP&A, strategic finance, banking, or credit analysis, preferably in a financial institution or fintech company.
  • 4+ years of experience in loan fair valuation, credit cost, and delinquency modeling.
  • Strong proficiency in valuation modeling, financial analysis, and relevant software (e.g., Excel, VBA, SQL, Tableau, or specialized valuation software).
  • Understanding of secured and unsecured consumer lending and credit underwriting.
  • Ability to operate in a fast-paced environment to meet deal deadlines.
  • Superior written and verbal communication skills.
  • Good judgment and excellent interpersonal skills.
  • Highly organized, detail-oriented, and strong client service skills.
  • CFA or other relevant professional certification preferred.
What We Offer
  • A competitive salary range of $180,000 - $200,000 annually plus equity and benefits.
  • 100% paid coverage of medical, dental, and vision insurance.
  • Flexible PTO and opportunities for professional growth and development.
  • Paid parental leave and health & wellness initiatives.


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