Credit Analyst

Full Timemid

Orange CountyPosted 28 days ago

Role Overview

Upgrade is hiring a mid-level Credit Analyst. This is a full-time role in Orange County. posted 4 weeks ago. Full responsibilities, required qualifications, and the apply link are listed in the description below.

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Job description

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.

We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.

We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.

About the Role:

As a Credit Analyst, you will underwrite and process new auto loan applications that are submitted by our auto dealership partners. You will analyze applicants and loan data with a focus on credit worthiness, risk mitigation, pricing, and compliance in accordance with Upgrade Auto's lending policies.

This is a hybrid position in our Irvine Office with a standard 40-hour work week that includes rotating morning and evening shifts within an 8-hour workday, as well as occasional weekend coverage.

What You’ll Do:

Receive and underwrite new auto loan applications
Price loan approvals according to market and risk
Create relationships with auto dealer partners and negotiate with external clients
Build strong relationships with our internal Dealer Development partners and teams, as well as various stakeholders
Resolve dealership concerns and existing loan issues that may arise by providing alternative solutions while using reason when dealing with emotional topics
Assess loan documents and third party data to make informed lending decisions
Work with the Operations Team to resolve issues that may arise during the funding process
Stay up to date with current economic trends and industry regulations

What We Look For:

5+ years of experience in financial services, credit management, auto industry or a related field
Attention to detail when dealing with individual customer loans and credit files
Professionalism, ownership, and the ability to work under pressure in challenging situations
Ability to collaborate with others and work in a team environment
Excellent verbal and written communication, as well as strong presentation skills
Highly motivated to set and achieve challenging goals while demonstrating persistence through obstacles

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 is $40-45 per hour 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.

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. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.

About Upgrade

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Frequently Asked Questions

How do I apply for the Credit Analyst position at Upgrade?

Use the Apply button above to submit your application directly to Upgrade. Most applications take less than 5 minutes if your resume and contact details are ready, and you'll be routed to the employer's official application system to finish.

Where is the Credit Analyst position at Upgrade located?

This position is based in Orange County. Upgrade has not indicated remote or hybrid options for this role, so candidates should plan for on-site work.

What does a Credit Analyst at Upgrade earn?

Upgrade has not disclosed a salary range in this posting. Many employers share specifics later in the interview process; you can also ask during a recruiter screen if compensation transparency is important to you.

When was the Credit Analyst role at Upgrade posted?

This role was posted on June 11, 2026 (28 days ago). It's still listed as actively hiring; we re-confirm openings against the source system multiple times per day and remove closed roles.