Senior Product Analyst

Upgrade • Wilmington, North Carolina, United States • Full-time

$100,000

per year

Data Analysis FinTech SQL A/B Testing Statistical Analysis Product Analyst Product Metrics

Job Description

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

We are seeking a detail-oriented Senior Product Analyst to support the Upgrade Personal Loans team with data-driven insights and experimentation. This role will be instrumental in designing and analyzing A/B tests, conducting product performance analysis, and ensuring Product Managers have accessible, actionable data to drive strategic decisions.

In this role, you'll drive data-informed product decisions that directly impact Upgrade's personal loan offerings and customer experience. You'll build the analytical foundation that enables the Product team to optimize conversion rates, improve customer satisfaction, and drive sustainable growth. Your work will be essential in helping Upgrade maintain its competitive edge in the personal lending space through rigorous experimentation and data-driven product development.

This role will be based in our San Francisco or Wilmington, Delaware office in a hybrid capacity, 2-3 times per week.

What You’ll Do:

Design, implement, and manage A/B test frameworks for personal loan products and features
Collaborate with Product Managers and Engineering teams to define test parameters, success metrics, and statistical requirements
Conduct thorough test reads and statistical analysis to determine significance and business impact
Document test methodologies, results, and recommendations for stakeholder consumption
Develop and maintain comprehensive dashboards and reporting for personal loan product performance
Monitor key product metrics including conversion rates, user engagement, loan origination volumes, and customer satisfaction
Identify trends, anomalies, and opportunities through deep-dive analysis of product data
Create automated reporting solutions to provide real-time insights to Product Managers
Conduct exploratory data analysis to uncover customer behavior patterns and product optimization opportunities
Research market trends and competitive landscape to inform product strategy
Synthesize complex data findings into clear, actionable recommendations for product improvements
Support product roadmap decisions with quantitative analysis and data-backed recommendations
Build self-service analytics tools and resources for Product Managers to access key metrics independently
Create and maintain data documentation, metric definitions, and analysis guidelines
Train Product Managers on available data resources and analytical tools
Establish data governance processes to ensure consistency and accuracy across product analytics
Partner closely with Product Managers to understand business requirements and translate them into analytical solutions
Work with Engineering teams to implement tracking and ensure data quality
Collaborate with Credit Risk and Operations teams to understand product performance holistically
Present findings and recommendations to leadership and stakeholders

What We Look For:

3-5 years of relevant experience in product analytics, preferably in financial services or fintech
Advanced proficiency in SQL for data extraction and analysis
Proven experience designing and analyzing A/B tests and statistical experiments
Experience with product analytics tools and methodologies
Proficiency with data visualization tools (Tableau, Looker, or similar)
Experience with statistical analysis, hypothesis testing, and experimental design
Familiarity with product analytics platforms (Heap, Fullstory, Amplitude, Mixpanel, or similar)

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 in San Francisco, CA is USD $100,000 - $120,000 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.

Upgrade has different base pay ranges for different work locations within the United States and Canada, which allows us to pay employees competitively and consistently in different geographic markets. The range could vary depending on what ultimately is determined to be the candidate’s primary work location.

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.