Junior Business & Data Analyst

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 curious, detail-oriented Junior Business and Data Analyst to join our growing analytics team. You will bring at least 2 years of experience in an analytics or data-focused role. That means you have worked with real data in a real environment, dealt with messy inputs, and delivered something a stakeholder actually used. A degree without hands-on experience is not a substitute. In this role you will support data-driven decision making by building reports, writing SQL queries, and surfacing insights that help business leaders understand performance and identify opportunities. You will work closely with senior analysts and business stakeholders while continuing to develop your skills in analytics, forecasting, and data storytelling. What You’ll Do: Data Analytics and Business Intelligence • Analyze data to identify trends, patterns, and anomalies. Support root cause analysis and performance investigations. • Assist in KPI tracking, data quality checks, and governance processes. • Build and maintain business intelligence reports and apply statistical analysis fundamentals. • Serve as the data resource for the commercial and account management teams. You will see how the business runs day to day and where the gaps are, which directly informs how the team prioritizes its work. SQL and Data Engineering • Write and maintain SQL queries using joins, CTEs, and window functions. Support query optimization and performance improvements. • Work within existing data models and warehouse structures to extract and transform data for reporting needs. • Document data logic and query definitions to support data validation and reconciliation efforts. Forecasting and Reporting • Help enhance and maintain scenario models under guidance. Track and report on forecast accuracy. • Build and maintain dashboards and standard reports. Develop clear, accurate data visualizations following best practices. • Support QBR preparation and executive reporting. Contribute to automated reporting solutions. What We Look For: • 2 or more years of experience in an analytics or data-focused role. • SQL proficiency including joins, CTEs, and window functions. You do not need to be a data engineer but you need to write and maintain real queries. • Experience with Tableau, Microsoft Excel, Redshift, and Databricks. • You use AI tools like Claude or ChatGPT as a real part of your workflow, not as a novelty. • You are genuinely curious about data and what it means. When something looks off, you go find out why rather than waiting to be told. You ask questions before starting a project, not after. • Ability to gather and document business requirements, collaborate cross-functionally, and contribute to business case development. • Ability to present findings clearly, translate data outputs into plain-language summaries, and develop supporting materials for executive presentations. • Comfortable forming and testing hypotheses with guidance and developing critical and structured thinking skills. • Ability to identify patterns and trends in structured datasets, flag anomalies, and contribute observations that inform strategic recommendations.   What We Offer You:  • Competitive salary • 100% 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 The compensation range of this position in San Francisco, CA is USD $75,000-$95,000 plus equity and benefits. Within this range, an individual's pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience. For California residents:  Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the person