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:

Working with a team of Finance, Investor, and Business Analysts in Phoenix and San Francisco, this person will play a key role in maintaining loan accounting tasks and records for Upgrade. You will also work closely with multiple Upgrade company departments to ensure accurate tracking of loan transactions—such as sales, purchases, and collections—and help streamline accounting processes. You will have interaction with senior leadership regarding profitability metrics and must be capable of delivering high-quality deliverables, on time, with careful attention to detail.

What You'll Do:

• Own month-end close activities related to loan accounting, revenue recognition, and associated reconciliations

• Assist in audits and management reporting

• Ensure accurate and timely financial reporting in compliance with GAAP

• Own, maintain, and improve loan reporting for financial reporting

• Build and refine Excel-based workpapers, using advanced functions such as VLOOKUPs and PivotTables to analyze and present data

• Partner with cross-functional teams (Product, Operations, Engineering) to streamline processes and investigate variances

• Support ad hoc analysis and special projects as needed

• Identify opportunities for simplification and automation

What We Look For:

• Bachelor's degree in Accounting or Finance

• Excellent Excel skills including vlookups, pivot tables and complex formulas

• Familiarity with ERP/Accounting systems (NetSuite, Floqast, Tableau)

• Team-player who can work closely with both accounting teams and cross-functionally with relevant stakeholders

• Bilingual (French and English)

• Effective written, verbal and interpersonal communication skills

• Sense of ownership and responsibility towards problems and solutions

• Demonstrated ability to adapt quickly and smoothly to a rapidly changing environment

• Self-starter with a continuous improvement mindset

Nice to Have:

• Strong knowledge of GAAP and experience with loan accounting principles a plus

What We Offer You:

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Competitive 401(k) and RRSP program
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

#LI-Hybrid

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*.*