Title: Director, Card Growth And Risk Initiatives Location: Wilmington, San Francisco 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're seeking a hands-on and data-driven Director to lead Card Credit R&D and Growth Initiatives. In this role, you'll drive and deliver a variety of strategic, high impact initiatives that unlock and accelerate growth of our Credit Card business. You will creatively use internal/external data, business judgement, and scenario analysis to develop business cases for new initiatives. You will partner cross-functionally to advocate for high value initiatives, develop plans to implement and scale, and report results to leadership. Your work will drive sustainable and responsible growth in Cards, advance our ability to serve a larger customer base, and ensure predictable and strong returns from our Card product. This role will be based in our Wilmington or San Francisco office in a hybrid capacity. What You’ll Do: - Provide credit risk leadership, policy design, and support to launch prioritized strategic initiatives, such as (but not limited to) o Enhanced scale in Affinity Segments o Expand into new customer segments with customized approaches o Enable / support marketing initiatives with credit risk interactions, such as credit line marketing to prospective customers - Identify and pursue new growth opportunities - Develop a forward-looking agenda to deliver continued growth and influence the organization to rally behind it - Evaluate opportunities, propose tests, and build business cases to unlock future card growth - Combine test results, internal and external market data, and business judgement to deliver responsible growth - Test cash flow underwriting use-cases, evaluate business case to deploy at scale, and develop policies to unlock growth - Develop and enhance Intentional Credit Misuse / Synthetic U/W defenses - Partner cross-functionally to implement and scale - Track performance of initiatives, identify further opportunities to enhance and report recommendations/results to leadership What We Look For: - 7+ years of experience in consumer finance, consulting, or other data-driven backgrounds - Deep experience with consumer lending / credit risk, particularly in credit cards - Data-driven and independent problem solver - Strong communicator with a knack for identifying the business intuition behind complexity - Comfort with solving white-space problems and identifying reasonable paths in the face of ambiguity - Strong proficiency in SQL, Excel (Python is a plus) What We Offer You: - Competitive salary and stock option plan - Paid coverage of medical, dental and vision insurance - Flexible PTO - Competitive 401(k) - Opportunities for professional growth and development - Paid parental leave - Health & wellness initiatives 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.

Lead Actuarial Analyst, MA Risk Adjustment United States (Central Time Zone) How You’ll Make An Impact At Strive Health, patients come first. We’re on a mission to transform chronic conditions by identifying risk earlier, coordinating thoughtful care, and supporting people through every stage of their health journey. Our work reduces emergency visits, improves outcomes, and helps patients live fuller lives. You’ll work alongside passionate Strivers who care deeply about making an impact, show up for one another as One Team, and find ways to elevate the everyday. If you’re looking for meaningful work where your contributions truly matter, you’ll feel right at home at Strive!  Benefits & Perks  - Hybrid-Remote Flexibility – Work from home while fulfilling in-person needs at the office, clinic, or patient home visits. - Comprehensive Benefits – Medical, dental, and vision insurance, employee assistance programs, employer-paid and voluntary life and disability insurance, plus health and flexible spending accounts. - Financial & Retirement Support – Competitive compensation with a performance-based bonus program, 401k with employer match, and financial wellness resources. - Time Off & Leave – Paid holidays, vacation time, sick time, and paid birthgiving, bonding, sabbatical, and living donor leaves. - Wellness & Growth – Family forming services through Maven Maternity at no cost and physical wellness perks, mental health support, and an annual professional development stipend. What You'll Do We are seeking a Lead Actuarial Analyst, MA Risk Adjustment to join our high-performing, insights-driven team. You will play a critical role in evaluating financial performance, uncovering areas of opportunity, and use your 3+ actuarial exam progress to help translate complex data into actionable strategies. Your work will directly influence how Strive supports patients, clinicians, and markets in achieving both clinical and financial success. (This position is internally titled Lead Analyst, Risk Adjustment Analytics). We offer a competitive Actuarial Study Program designed to help you succeed, including exam fee support, study resources, and rewards for passing exams and achieving actuarial credentials. Essential Functions  - Translate RA performance data into clear financial insights (i.e. revenue impact, payment accuracy, ROI, forecasting).  - Analyze CMS data to identify areas of opportunity to increase operational efficiency.  - Interpret trends, model scenarios, and assess program and policy impacts.  - Enable data-driven decisions by linking operational performance to enterprise financial outcomes.  - Perform end-to-end reconciliation from submissions to CMS acceptance, RAF leakage, and implement controls.  - Develop business cases to assess opportunity, determine target metrics, and provide data driven insights to support investment decisions (i.e. staffing, tech, etc.).  - Prepare and deliver clear and concise reports, presentations, and recommendations to senior leadership, illustrating the findings and implications of analyses conducted.  Who You Are  - A highly analytical problem-solver with a strong sense of ownership and intellectual curiosity.  - Able to manage a high volume of recurring and ad hoc deliverables without compromising quality.  - Comfortable navigating ambiguity and bringing structure to complex problems.  - An exceptional communicator who can translate technical findings into actionable business recommendations.  Qualifications  - 4+ years of experience in risk adjustment analytics.  - 4+ years of experience analyzing MMR, MOR, MAO-004 and medical claims data.  - 3+ actuarial exams passed.  - High degree of proficiency in Microsoft Excel and SQL.   - Experience with PBI, Redshift, dbt docs is a plus.  - Bachelor’s degree in a quantitative or health-related field (e.g., Economics, Public Health, Statistics, Health Services Research, Math, Finance).  Annual Salary Range: $99,000 - $124,000. This position is also eligible for a target annual bonus of 10% Final compensation will be determined based on location, experience, and qualifications.

• Evaluar solicitudes de créditos hipotecarios analizando el riesgo del cliente y del bien raíz ofrecido en garantía. • Asegurar el cumplimiento de las políticas internas, la normativa vigente y la sostenibilidad del portafolio hipotecario del Banco. • Entregar evaluaciones claras, trazables y oportunas que permitan una correcta toma de decisiones crediticias. • Analizar información financiera del cliente y calcular ratios de riesgo propios del producto hipotecario, tales como Loan to Value (LTV), Debt to Income (DTI) y relación dividendo/renta. • Evaluar capacidad de pago, nivel de endeudamiento, comportamiento financiero y estabilidad laboral del cliente. • Incorporar mirada integral de comportamiento con productos del Banco. • Revisar y analizar tasaciones de propiedades, asegurando que los datos sean coherentes, estén completos y alineadas a la pauta de tasaciones del Banco. • Identificar inconsistencias, alertas financieras o riesgos asociados a la operación o bien raíz. • Revisar antecedentes legales básicos del inmueble y de la operación (tipo de propiedad, destino, gravámenes relevantes), alertando desviaciones. • Contribuir al cumplimiento de los niveles de servicio (SLA) del proceso hipotecario, identificando causas de reprocesos y proponiendo mejoras de eficiencia.

Role Description The Insurance Risk Management Analyst supports the Risk Manager regarding corporate insurance programs, insurance certificates, and casualty claims management. - Certificates of Insurance (35%) - Issue certificates of insurance for van line operations, as requests are received. - Secure required information from van line agents, review insurance requirements from third-parties, and issue certificates of insurance in alignment with Sirva insurance policy terms & procedures. - Partner with Risk Manager and Sirva legal, as needed, to respond to indemnity language requests. - Issue certificates of insurance in support of client contractual agreements. - Review the insurance section of the client contract and issue certificates of insurance in alignment with agreed upon contractual insurance terms. - Corporate Risk Insurance Programs (25%) - Assist the Risk Manager in compilation of underwriting information for insurance policy placements, domestic and international. - Activities include analysis of underwriting information for accuracy, timely completion of applications and maintenance and review of insurance policy documents. - Support legal, sales and operations in the review of insurance terms in client contracts and new business proposals. - Manage the surety bond program. Work with surety broker and internal teams on bond issuances, cancellations, reporting and invoicing. - Casualty Claims Management (40%) - Support Sirva safety department, agent network, and van line drivers in investigation and documentation of fleet accidents. - Monitor the development of van line auto and general liability claims, to include tracking claim progress and identifying potential risks. - Collaborate with the TPA claim adjuster and defense counsel on claim strategy for optimal claim resolution. Qualifications - BS degree in risk management, business, or finance. - Property/Casualty Insurance Producer license, preferred. - Experience with commercial insurance placements and oversight, claims management, and/or the risk management function. - Detail-oriented and proficient in Microsoft Excel, Outlook, and Word. Requirements - Salary Range: $66,400 - $83,000 USD. Benefits - Comprehensive benefits package that includes Medical, Dental, Vision, 401(k), FSA/HSA, Employer HSA Match, Life & Disability Insurance, Paid Time Off, Volunteer Time Off, ID Theft Protection Plan and more. - Benefits are based on employment status and may not be available for temporary or non full-time employees.