Loan Accounting Analyst

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7 million customers access over $40 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 $6.3B. 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: 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 . English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.