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. We have delivered over $21 billion in affordable and responsible credit over the last 5 years. 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 1500 talented and dedicated professionals. Come join us if you like to tackle big problems and make a meaningful difference in people's lives.
What you’ll do: Perform initial due diligence reviews on potential default servicing and debt purchasing vendors. Conduct ongoing oversight and testing of existing vendors and debt buyers. Work closely with Compliance, Vendor Management and Operational teams to ensure identified issues are remediated timely. Work with Compliance and Legal departments to advise Operations on nuanced or high risk collections and default issues involving bankruptcy, debt settlement, repossession, and loss mitigation. Review collection communications. Advise on proper credit reporting for delinquent accounts. What we look for: Bachelor's Degree 5-7 years background in compliance, auditing, testing, legal, or regulatory/law enforcement experience specific to default servicing and collections Experience in the financial services industry, either working for an lender, investor, marketplace platform, law firm, or regulator Understanding of consumer-facing regulations, information technology systems, and standard system implementation methodologies Nice to have: Deep understanding of FDCPA and its application in different forms of collection activities. Broad knowledge of financial products, markets, and laws and regulations, including consumer regulations such as FDCPA, FCRA, and UDAAP. Understanding of regulations applying to credit cards, auto loans, and unsecured credit. Excellent critical thinking, presentation, written communication, time management, and analytical skills. Integrity, motivation, intellectual curiosity, and enthusiasm. Knowledge of Microsoft Word and Excel. 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
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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