Regional Credit Manager

Regional Credit Manager

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**:
The Regional Credit Manager will oversee and manage the Credit Department's indirect lending for both franchised and independent automobile dealerships. They will hire, train, and coach their teams to be effective underwriters while building new and fostering existing relationships with their clients. The Regional Credit Manager will also keep Sales Representatives, Loan Processing, and other management teams briefed on market conditions, insights, and dealership concerns.

**What You'll Do**:

- Train and continuously coach their team to be effective loan underwriters by offering constructive feedback
- Work with their Sales Management teams to obtain current data, market and industry trends to minimize lending risk levels
- Provide a high level of service and manage the influx of work in a timely manner
- Remain informed on local economies and market risk to adjust lending practices accordingly
- Identify and resolve problems by analyzing information skillfully to develop alternative solutions in a prompt timeframe

**What We Look For**:

- 7+ years of experience in auto financing, credit management, financial services or a related field
- Strong leadership and management experience to help their teams meet business objectives, as well as individual career goals
- Excellent verbal communication and presentation skills that are clear, persuasive, and positive in various settings
- Flexible mindset and the ability to deal with ambiguity in challenging situations
- Persistence and confidence to make key business decisions under pressure to drive positive lending outcomes
- Openness to feedback and ability to foster a positive work environment

**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 inOrange County is USD $160,000-185,000 annually 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.

**#LI-Onsite**

**For California residents: Upgrade's CaliforniaNotice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.**

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.

Job ID 4520992005