Senior Collections Strategy Analyst

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

Upgrade is a fintech company focused on providing affordable and responsible credit to everyday consumers. The Collections team plays a critical role in that mission by protecting portfolio performance while ensuring borrowers are treated fairly throughout the recovery process.

As a Senior Collections Strategy Analyst , you will own the analytics and strategy that drive performance across our post-charge-off and pre-charge-off recovery operations. You will build the reporting infrastructure, testing frameworks, and cross-functional partnerships needed to manage third-party agencies, dialer strategy, digital communications, debt settlement company (DSC) relationships, and hardship programs. This is a highly visible, individual-contributor role for someone who is analytically rigorous, comfortable owning ambiguous problems end-to-end, and energized by building strategy and infrastructure where little currently exists.
What You'll Do

- Build a holistic analytics framework for the overall recovery program, spanning debt sale, third-party agency outsourcing, and DSC settlements.

- Design, test, and maintain dialer strategy for pre-charge-off delinquent accounts, including contact cadence, prioritization logic, and channel sequencing.

- Bring a strong test-and-learn mindset to strategy development, structuring dialer experiments to compare treatment options and optimizing strategy based on results.

- Build and maintain a quarterly business review (QBR) deck for our third-party collection agencies, establishing the KPIs and reporting cadence needed to monitor agency performance.

- Own and evolve our digital communication strategy across email, SMS, and AI voice agent channels, balancing performance with borrower experience and compliance.

- Track, analyze, and report on settlement performance with debt settlement companies (DSCs), including acceptance rates, recovery yield, and portfolio trends.

- Build analytics to evaluate hardship program design and performance, identifying opportunities to improve borrower outcomes and recidivism rates.

- Perform ad hoc portfolio analytics to answer emerging questions from Collections leadership and cross-functional partners.

- Partner cross-functionally with Risk, Compliance, Legal, Operations and Product to translate analysis into implemented strategy.

- Clearly communicate findings, trade-offs, and recommendations to both technical and non-technical stakeholders, including senior leadership.

What We Look For

- 3-5+ years of experience in a quantitative, analytics, or strategy role, ideally within collections, credit risk, or recovery operations at a financial services or fintech company.

- Direct experience with collections operations such as dialer strategy, agency management, debt sale, DSC/settlement programs, or hardship programs strongly preferred.

- Advanced SQL skills and comfort querying large, complex datasets i