--- title: 'Corporate FP&A Manager at Upgrade' canonical: 'https://feeny.ai/job/corporate-fp-a-manager-upgrade-san-francisco-ymx9byawvwh1' type: 'job' last_seen: '2026-10-18' --- # Corporate FP&A Manager at Upgrade - **Company:** Upgrade - **Location:** San Francisco, CA - **Posted:** 2026-09-25 - **Last confirmed live:** 2026-10-18 - **Apply:** https://job-boards.greenhouse.io/upgrade/jobs/4738190005 ## 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: We are looking for a Corporate FP&A Manager to join our FP&A team. This position reports into the Head of FP&A, and is based in our San Francisco office in a hybrid capacity (specifically on Tuesdays, Wednesdays, and Thursdays). What You'll Do: - Lead and manage the company's comprehensive financial planning cycles, including annual budgeting, quarterly forecasting, and long-range strategic planning. - Develop and maintain sophisticated financial models (P&L, Balance Sheet, Cash Flow) to support scenario planning, strategic initiatives, and growth opportunities. - Lead and orchestrate the F P&A process, coordinating the forecasting calendar, consolidating diverse financial inputs, and collaborating closely with business unit finance leads to develop insightful variance commentary, and with accounting to understand historical performance. - Conduct in-depth financial analysis of actual versus budget/forecast variances, identifying key drivers, risks, and opportunities, and presenting actionable insights to management. - Partner with department heads across the organization (Marketing, Operations, G&A, Product & Engineering) to understand their financial needs, provide financial guidance, and ensure alignment with overall company goals. - Prepare and present clear, concise, and impactful financial reports and presentations for senior management, the executive team, and other stakeholders. - Identify and implement process improvements and automation opportunities within FP&A to enhance efficiency, accuracy, and scalability. - Manage the implementation of Aleph for automating and budgeting. What We Look For: - Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA, CPA, CFA, or other relevant designation is preferred. - 5+ years of progressive experience in Financial Planning & Analysis (FP&A) roles, preferably within a fast-paced fintech or financial services environment. - Demonstrated expertise in financial modeling, budgeting, forecasting, and variance analysis. - Proficiency in Excel, experience in a financial planning tool (ideally Aleph), and experience using AI in financial forecasting or reporting is required. Netsuite experience is preferred - Experience with SQL as well as business intelligence tools (e.g., Tableau) is preferred. - Excellent analytical, problem-solving, and critical thinking skills, with the ability to distill complex financial data into clear, actionable insights. - Superior communication and presentation skills, with the ability to effectively convey financial information to both finance and non-finance audiences. - Proven ability to collaborate effectively with cross-functional teams and build strong working relationships in an FP&A capacity. - Highly organized, detail-oriented, and able to manage multiple priorities and deadlines in a dynamic environment. - Experience with consumer lending or credit products is a significant advantage. What We Offer You: - Competitive salary and stock option plan - 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 in San Francisco, CA is USD $120,000 - $140,000 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-Hybrid For California residents: [Upgrade's California Notice at Collection and Privacy Policy](https://www.upgrade.com/PRIVACY_POLICY_CALIFORNIA_EMPLOYEE/) describes our practices regarding the collection, use, and disclosure of the personal information of job applicants. Environmental & Working Conditions Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations. Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives. The role requires the ability to receive and exchange information with customers, peers, supervisors, and cross-functional partners through available communication channels, which may include meetings, email, phone, and digital collaboration tools, and may involve real-time, verbal, or in-person exchanges depending on business need. Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position. Work may be performed in a contact center, office, or remote environment, depending on business needs and the nature of the role. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise typical of customer service or operational settings. Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position in accordance with the Americans with Disabilities Act (ADA) and applicable state and local laws. 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. ## About Upgrade ## Company Overview - **One-liner**: Upgrade is a neobank offering responsible credit, mobile banking, and payment products including personal loans, credit cards, auto financing, home improvement loans, and high-yield savings. - **Entity Type**: Private (Series G) - **Headquarters**: San Francisco, California, United States - **Founded**: 2016 - **Founders**: Renaud Laplanche (former founder/CEO of LendingClub) ## Core Business - Primary industry: Neobanking / Consumer Finance / Fintech - Target customers: B2C (individual consumers in the U.S. seeking affordable credit, banking, and payment flexibility) - Mission: “To help our customers move in the right direction with responsible financial products that put more money in their pocket.” ## Products & Services - **Upgrade Personal Loans**: Fixed-rate installment loans for debt consolidation, home improvement, and major purchases. - **Upgrade Card**: A hybrid credit card that combines credit card acceptance with installment payment flexibility; recognized as the fastest-growing credit card in the U.S. at launch. - **Upgrade OneCard™**: A single card offering “Pay Now” (debit-like) and “Pay Later” (installment) options; also available as a secured version for credit-building. - **Auto Financing**: Indirect auto loans originated through franchise and independent dealerships; surpassed $1 billion in originations by mid-2025. - **Home Improvement Financing**: Flexible loan programs for contractors and homeowners; surpassed $1 billion in originations by December 2024. - **Flex Pay** (formerly Uplift): Travel-focused buy now, pay later (BNPL) solution, now rebranded and powering flexible payments for Expedia Group cruise bookings. - **Premier Savings**: High-yield savings account with competitive APY, no monthly fees, and FDIC/NCUA insurance. - **Boost Money**: Acquired product offering high-yield savings and secured credit cards. ## Market Standing - **Valuation**: $7.3 billion (Series G round, October 2025) [wikipedia.org] - **Key Metric**: Over $50 billion in credit made available to more than 8 million customers since inception. [upgrade.com] - **Total Equity Raised**: ~$750 million [wikipedia.org] - **Notable Investors/Partners**: Neuberger Berman (lead Series G), Santander Group, Koch Disruptive Technologies, Coatue Management, DST Global, Ribbit Capital, LuminArx Capital Management. [wikipedia.org] - **Growth Signals**: - Auto loan originations surpassed $1 billion in first ~18 months of indirect lending. - Home improvement originations crossed $1 billion by end of 2024. - Cruise booking division achieved 23% YoY growth in 2024. - Named to CNBC’s World’s Top 250 Fintech Companies (2024, 2025) and USA Today’s Most Trusted Brands in Banking & Financial Services (March 2026). [wikipedia.org] ## Competitive Advantages - **Hybrid Credit Innovation**: Products like the Upgrade Card and OneCard blur the line between credit cards and installment loans, giving consumers flexibility to avoid revolving debt. - **Speed of Execution**: Launched several new product lines (auto, home improvement, travel BNPL) in rapid succession and hit billion-dollar milestones within 1–2 years. - **Deep Industry Experience**: Founded by LendingClub’s former CEO, with a team experienced in marketplace lending and regulatory navigation. - **Scalable Platform**: Uses a technology-driven, branchless model that keeps costs low and allows fast iteration. ## Strategic Focus - **Expanding Product Verticals**: Continuing to grow auto, home improvement, and travel (Flex Pay) lending channels. - **Partnership Growth**: Deepening integrations with major travel platforms (Expedia Group), dealer networks, and contractors. - **Responsible Credit**: Emphasizing products that help consumers avoid high-interest revolving debt and build credit. - **Geographic Footprint**: U.S.-focused with remote and regional offices; potential further international expansion via Flex Pay in Canada. ## Why Work Here - **Culture & Values**: Core values include “We Move Fast,” “We Act as Owners,” “We Help Each Other,” and “We Are Always Learning.” Emphasis on curiosity, continuous improvement, and inclusive team environment. [upgrade.com] - **Recognition**: Named to Forbes’ America’s Best Startup Employers (2026) and BuiltIn’s Best Places to Work. [upgrade.com] - **Remote/Hybrid Policy**: Multiple office locations (San Francisco HQ, Atlanta, Phoenix, Montreal, Orange County) and remote-friendly roles (e.g., remote Account Managers, Senior Data Analysts). Not fully remote for all positions, but flexibility exists. - **Compensation & Benefits**: - 100% paid medical, dental, and vision insurance for team members. - Competitive salary plus stock options. - 401(k) with 4% match, fully vested immediately. - Unlimited PTO for salaried positions. - Paid parental leave and wellness programs. [upgrade.com] ## Sources 1. [upgrade.com/careers](https://www.upgrade.com/careers/) 2. [greenhouse.io/jobs](https://job-boards.greenhouse.io/upgrade) 3. [upgrade.com/about](https://www.upgrade.com/about/) 4. [upgrade.com/careers/benefits](https://www.upgrade.com/careers/benefits/) 5. 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