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Upgrade, Inc. Tech Stack

Consumer credit platform serving 7.5M+ customers with personal loans and deposit products

Financial Services San Francisco, California 1,001–5,000 employees Founded 2016 Privately Held

Upgrade operates a consumer credit platform spanning personal loans, credit lines, deposit accounts, and buy-now-pay-later products. The hiring mix skews toward sales and operations roles rather than engineering, paired with active projects around merchant onboarding, contractor acquisition, and regulatory compliance—indicating a maturing, volume-driven business scaling fulfillment and risk management more aggressively than product innovation.

Tech Stack 15 technologies

Core StackTableau Google Analytics Python Zendesk Slack Salesforce Experian LexisNexis Excel Word Outlook SQL Heap Adobe Google

What Upgrade, Inc. Is Building

◆Challenges

Increasing consumer loan volume
Preventing merchant churn
Reducing delinquency
Improving customer satisfaction
Acquiring new contractors
Legal risks and regulatory compliance
High volume call center
Agency partner performance management
Card-act compliance
Processing credit disputes

▲Active Projects

New product launch legal review
Quarterly business reviews
New line of business
Consumer protection research
Consumer agreement drafting
Flex pay buy now pay later travel product
Merchant orientation program
Contractor acquisition for home improvement platform
Merchant onboarding process
Highly-segmented customer journey flows

Hiring Activity

Steady40 roles · 15 in 30d

Department

Sales

10

Ops

7

Finance

6

Support

6

Legal

4

Product

4

Auto

1

Marketing

1

Seniority

Mid

15

Junior

7

Senior

6

Director

5

Manager

4

Intern

3

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About Upgrade, Inc.

Founded in 2016, Upgrade has served over 7.5 million customers and originated over $42 billion in consumer credit. The company offers personal loans, credit monitoring, checking and savings accounts, home improvement financing, auto financing, and a flex-pay buy-now-pay-later product for travel. Upgrade operates as a fintech lender with a distributed sales model, merchant partnerships for home and auto verticals, and a call center operation handling credit disputes and customer support. The organization is privately held and based in San Francisco.

HeadquartersSan Francisco, California

Company Size1,001–5,000 employees

Founded2016

Hiring MarketsUnited States

Frequently Asked Questions

What is Upgrade's consumer credit volume?

Upgrade has served over 7.5 million customers and originated over $42 billion in consumer credit since 2017.

What products does Upgrade offer?

Upgrade offers personal loans, credit lines, credit monitoring, deposit accounts, checking and savings, home improvement financing, auto financing, and a flex-pay buy-now-pay-later travel product.